If you’re waiting for your SSDI payment in April 2025, I’ll tell you everything you need to know below, without any nonsense. Let’s get right to the point, but calmly, so you don’t miss anything.
First, the key dates in May for SSDI benefits, or Social Security Disability Insurance, are three Wednesdays: April 9, 16, and 23. The date you are assigned is based on your birthday.
The Social Security Administration (SSA) organizes payments as follows: If you were born between the first and tenth of any month, you will collect on April 9th.
If your birthday falls between the 11th and 20th, the money will arrive on April 16th. For those who celebrate between the 21st and the 31st, the date is April 23rd.
Are there any conditions to collect your SSDI payments on these dates?
These three dates are only applicable if you began receiving SSDI after May 1997. If your benefits begin before that date, or if you also receive SSI (supplemental income for basic expenses), your payment will be made on April 3, regardless of your birth date.
Yes. If your payday falls on a holiday or weekend, they will deposit you earlier, but there will be no problem in April 2025 because all dates fall on business days. Of course, if the money does not appear in your account, the SSA asks that you wait three business days before contacting them, in case of bank or mail delays.
April 2025 maximum SSDI payments
This month’s surprise is a 2.5% increase due to the cost-of-living adjustment (COLA, for friends). This increase started in January 2025 and will be reflected in all April payments.
On average, this adds $50 to the monthly benefit, which will now be around $1,900. The maximum amount that disabled workers can receive is $4,018, but only if they have accumulated enough work credits paid to the SSA from high wages.
The Social Security Fairness Act, which was passed in January 2025, may increase the amount of money received by certain groups. This law repealed two outdated rules (the WEP and the GPO, which are difficult to explain) that reduced benefits for certain groups of people, such as public employees and retiree spouses. Increases can vary.
- If you were affected by WEP, you could see $360 more per month.
- If you were a spouse harmed by the GPO, the increase is around $700.
- For surviving spouses, the extra can reach $1,190.
Some could receive more… others could lose all of their benefits
In February 2025, the SSA distributed 7.5 billion in retroactive payments to those affected by the WEP and GPO. According to reports, the average person earned $6,710. So, if you’re in this group, you may have received a large deposit a few months ago, and your regular payout is now a little higher.
Although most people welcome these changes, there is some debate. Some experts believe that eliminating the WEP and GPO could harm Social Security’s finances in the future because the program will spend more.
Others argue that it was unfair for public employees or widows to receive less. For the time being, this has no bearing on April payments, but it is encouraging to know that discussions are underway.
In parallel, since March 2025, the SSA has reverted to a strict policy regarding overpayment. If they gave you more money than they owed, they can now deduct 100% of your monthly payment until you repay the debt. This may complicate things for some, so if you have a pending case with them, be cautious.
