Sam
Disability benefits are set to be distributed on July 1 for Supplemental Security Income (SSI) recipients and July 3 for Social Security Disability Insurance (SSDI) recipients. Individuals with limited resources may qualify for both payments. However, eligibility for either of these benefits requires the submission of an application and approval.
While both types of benefits are managed by the Social Security Administration (SSA), there are differences in how each is funded and who qualifies. To receive SSDI, you need to have contributed to the payroll taxes through your work and have a qualifying disability.
In contrast, SSI is available to those who meet specific income and resource criteria, in addition to having a disability, being blind, or being aged 65 or older. Be sure to report any improvements in health to prevent overpayment.
SSDI Payment Schedule for July 2025
For SSDI recipients, payment is generally made two days after the SSI benefits are deposited. If you were born between the 1st and 31st and began receiving SSDI after April 30, 1997, you will not receive your payment on July 3, unless you also qualify for SSI.
In this case, SSDI recipients who also receive SSI will have their payment deposited or mailed on July 3, 2025. For individuals who started collecting SSDI benefits before May 1997, July 3rd will also be the payment date.
However, if you do not meet the income/resources requirements for SSI or have not yet applied, you will not receive any SSI benefits on the first of the month.
For those who qualify for SSDI, payments are scheduled based on the recipient’s birthdate:
- July 9, 2025: Birthdates from the 1st to 10th
- July 16, 2025: Birthdates from the 11th to 20th
- July 23, 2025: Birthdates from the 21st to 31st
SSDI Payment Amounts and Qualifications
SSDI payments are typically lower than retirement benefits due to the nature of qualifying for benefits early due to a medical condition. However, the payment amount can vary greatly depending on your work history and income level.
If you have worked for 35 years and have paid taxes at the maximum taxable rate, your SSDI payment could be as high as $4,018 per month. On average, recipients receive about $1,581 per month.
When compared to retirement benefits, SSDI payments are lower. For example, the maximum Social Security retirement payment for individuals filing at age 70 is $1,090 higher than the maximum SSDI benefit.
If you opt to work longer and delay claiming Social Security until age 70, you will receive an 8% increase for each year worked after the Full Retirement Age (FRA). This results in an additional 24% increase over three years. The Full Retirement Age depends on your birth year:
- Born before 1960: FRA is 65 years old
- Born in 1960 or later: FRA is 67 years old.
If you’re looking to increase your earnings while on SSDI, you can explore the Ticket to Work Program, which allows you to earn money while still receiving Disability Insurance.
The upcoming July 2025 SSDI and SSI payments will provide much-needed financial assistance for qualifying individuals. It’s essential to understand the eligibility criteria and payment schedules to avoid any confusion. If you are eligible, be sure to stay updated with your SSA account and apply for any benefits you may qualify for.
FAQs
What’s the difference between SSDI and SSI?
SSDI is based on your work history and taxes paid, whereas SSI is need-based, requiring you to meet certain income and resource thresholds.
Can I receive both SSDI and SSI benefits?
Yes, if you meet the eligibility requirements for both programs, you can receive both SSDI and SSI payments.
How can I increase my SSDI payments?
If you qualify, you can work through the Ticket to Work Program to earn income while receiving SSDI benefits and possibly increase your payments.