Starting in July 2025, recipients of Social Security Disability Insurance (SSDI) will see their monthly payments arrive on a set schedule, based on both the date they began receiving benefits and their birth date—but only if certain conditions apply.
If you’re collecting SSDI or will soon start, it’s important to understand how your payment date is determined, how much you can expect to receive, and what recent adjustments—like the 2025 COLA increase—mean for your monthly benefits.
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SSDI Payment Schedule for July 2025
The Social Security Administration (SSA) issues SSDI payments every month, but the payment date varies based on two main factors:
- Whether you started receiving SSDI before or after April 30, 1997
- Whether you’re also receiving Supplemental Security Income (SSI)
If You Were Approved Before May 1997 or Receive Both SSI and SSDI
You will receive your SSDI payment on July 3, 2025, regardless of your birth date.
This includes:
- SSDI recipients whose benefits started before May 1997
- Individuals receiving both SSI and SSDI
If You Were Approved After April 30, 1997, and Do Not Receive SSI
Your SSDI payment is based on your birth date and will arrive on one of the following Wednesdays:
| Birth Date Range | SSDI Payment Date |
|---|---|
| 1st – 10th | July 9, 2025 |
| 11th – 20th | July 16, 2025 |
| 21st – 31st | July 23, 2025 |
For example, if your birthday is July 14, your SSDI payment will be deposited on July 16.
Payment Recap (June to July 2025)
If you received your SSDI payment on:
- June 3, you’ll be paid again on July 3
- June 11, next payment is July 9
- June 18, next payment is July 16
- June 25, next payment is July 23
SSDI Payment Amounts in 2025
In 2025, SSDI payments increased by approximately 2.5% due to the Cost-of-Living Adjustment (COLA).
| Benefit Type | Average Monthly Payment (2025) | Maximum Possible Payment (2025) |
|---|---|---|
| SSDI (average) | $1,581 | Up to $4,018 |
| SSI (for eligible low-income recipients) | Up to $943 (individuals) | Varies by income and state |
To qualify for the maximum SSDI benefit, a person would need to have earned the maximum taxable income for at least 35 years—a relatively rare scenario. Most beneficiaries receive significantly less.
Can You Get SSDI and SSI at the Same Time?
Yes. If your SSDI benefit is low due to limited work history or earnings, you may also qualify for Supplemental Security Income (SSI). SSI is a means-tested program for low-income individuals with disabilities or those over age 65.
Receiving both SSDI and SSI can increase your total monthly benefit, but your income and resources must fall within federal limits.
Important Reminders for SSDI Recipients
- Report any changes in income, marital status, or work activity to the SSA. Failing to report changes can result in overpayments.
- If your medical condition improves and you return to work, your eligibility for SSDI may end after a trial work period.
- If you marry or divorce, it could affect your own benefits or your spouse’s eligibility under your record.
What This Means for July 2025
Whether you’re already receiving SSDI or just approved, understanding your payment schedule and staying up to date on benefit changes is crucial. With payments now rising due to the 2025 COLA and the SSA’s continued push to address overpayments, recipients should monitor their SSA accounts and bank deposits closely.
If your payment doesn’t arrive as expected, contact the Social Security Administration or check your status via your My Social Security account.
FAQs:
When will I receive my SSDI payment in July 2025?
It depends on when you began receiving benefits and your birth date. Most will receive payments on July 3, 9, 16, or 23.
Why did my SSDI payment increase this year?
SSDI benefits rose by about 2.5% in 2025 due to the annual COLA adjustment.
Can I get SSDI and SSI at the same time?
Yes, if your SSDI is low enough and you meet SSI income and resource limits.
How much can I get from SSDI in 2025?
The average payment is $1,581, and the maximum is $4,018, depending on your earnings history.
