Workers with disabilities and other beneficiaries who receive Social Security Disability Insurance (SSDI) are looking forward to the payments for the month of May, which are about to begin in a matter of hours, this Wednesday, May 14, being the date for the first of the three groups.
The SSDI payments in May 2025 will be distributed on the 14th, 21st, and 28th of the month, depending on the beneficiary’s birthday. These deposits correspond to an annual adjustment linked to inflation and the Indexed Average Monthly Income (AIME).
Three groups of SSDI beneficiaries receive payments starting tomorrow
As we have said, there are three groups that receive SSDI benefits each month. The calendar is based on a system implemented in 1997, which assigns Wednesdays of each week as pay days:
- Recipients with birthdates between the 1st and the 10th will receive their payment on May 14.
- Those who have birthdays from 11 to 20 will get it on May 21.
- Those with birthdays from 21 to 31, May 28.
- Exceptions apply for those who started benefits before May 1997 (this group get their money on the 3rd day of every month).
The maximum amount of SSDI for 2025 is estimated at $4,018 per month, according to adjustments for the 2.5% COLA adjustment applied for this year, and valid until December inclusive. This value applies to those who had maximum taxable income for at least 35 years and access benefits at full retirement age.
The average amount, however, is $1,580 per month, reflecting variations in work history and years of contributions. Less than 10% of beneficiaries reach the maximum limit, according to data from the Social Security Administration.
Are SSDI benefits taxed? Yes, in several states
In 2025, income from SSDI benefits may be taxable in certain states. Among them are: Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia.
In these states, taxation of SSDI benefits varies depending on factors such as the taxpayer’s adjusted gross income (AGI), marital status, and age. For example, some states offer exemptions or deductions if the taxpayer’s AGI is below certain thresholds.
In Colorado, taxpayers age 65 and older can deduct all of their federally taxable Social Security benefits, while those ages 55 to 64 can deduct up to $20,000 in retirement income.
Importantly, most states do not tax SSDI benefits. Additionally, Supplemental Security Income (SSI), another benefit program for people with disabilities, is not subject to state taxes in any state.
If you claim Social Security retirement, some states put taxes to part of that income, so, get in touch with your local SSA office, or your state’s tax authority, in order to determine if you have to pay taxes over it.
