The Social Security Disability Insurance (SSDI) program is about to send out the last SSDI check for this month. If you have a disability, qualify for SSDI, and were born between the 21st and 31st, watch your bank account because your disability benefits should arrive today. After this payment, SSDI payments will resume in the first week of May. The monthly payments already include a 3.2 percent cost of living adjustment (COLA) granted last year.
How Does SSDI Work?
SSDI is a federal program that pays monthly benefits to people who have worked, paid Social Security taxes, and now have a disability that limits their ability to work. According to SSA statistics, about 8.8 million disabled workers will receive SSDI benefits in 2024. To qualify, you must be insured and have a disability that meets the Social Security Administration’s guidelines.
Application Process for SSDI
To apply for SSDI, you must have worked in Social Security-covered jobs for a certain period. This period depends on the number of calendar quarters worked and the age at which the disability occurred.
Keep in mind that SSDI payments may be reduced if you or your family receive other government benefits, like public disability benefits, some pensions, or workers’ compensation.
Relying on SSDI Payments
The Social Security Administration (SSA) reports that 71% of SSDI beneficiaries rely on monthly benefits for nearly half or more of their income. This means that most beneficiaries would struggle to make ends meet without these benefits.
Additionally, many people who receive SSDI struggle to maintain their pre-disability standard of living due to limited income sources and the small number of benefits that replace lost wages.
SSDI Payment Dates for July
To help disabled people plan their monthly budgets, Social Security creates an annual payment calendar. Here are the confirmed dates for SSDI payments in July:
- July 10th: Disabled recipients born between the 1st and the 10th
- July 17th: Disabled recipients born between the 11th and the 20th
- July 24th: Disabled recipients born between the 21st and the 31st
SSDI Payment Amounts
On average, disabled workers can expect to receive up to $1,500 in monthly benefits, but this amount can vary. For example, if you are blind, your monthly benefits could be up to $2,590. Depending on the total amount of Social Security contributions you made before becoming disabled, the SSA may award you the maximum monthly payment of $3,822.
Blind workers can build up credits anytime during their working lives and can borrow credits from their parent’s or spouse’s earnings records if they do not have enough credits when they become blind.
FAQs about SSDI
What is SSDI?
SSDI is a federal program that pays monthly benefits to people who have worked and paid Social Security taxes but now have a disability that limits their ability to work.
Who qualifies for SSDI?
To qualify for SSDI, you must be insured and have a disability that meets the Social Security Administration’s guidelines.
How do I apply for SSDI?
You must have worked in Social Security-covered jobs for a certain period. The required period depends on the number of calendar quarters worked and the age at which the disability occurred.
How much will I receive in SSDI benefits?
On average, disabled workers can expect to receive up to $1,500 in monthly benefits. The amount can vary based on the type of disability and your contributions to the Social Security system.
Can SSDI payments be reduced?
Yes, SSDI payments may be reduced if you or your family receive other government benefits like public disability benefits, some pensions, or workers’ compensation.
The Social Security Disability Insurance (SSDI) program is crucial for millions of disabled Americans who rely on these monthly benefits to make ends meet. Understanding how SSDI works, who qualifies, and how to apply can help you navigate the system better and ensure you receive the benefits you deserve.