Check out the details about SSDI Increase 2025: Changes and Expected Increase in SSDI Payments in 2025 from this article. Numerous details about SSDI Increase 2025: Changes and Expected Increase in SSDI Payments in 2025 and other relevant information are included in this article.
SSDI Increase 2025
A person who has a disability and has paid enough Social Security taxes on their earnings is eligible to receive SSDI. Social Security Disability Insurance (SSDI) is administered by SSA and is one of the ways by which citizens can receive disability benefits from the federal government.
Due to the increase in COLA in 2025 (by 3.2%), all the benefits of social security, including SSDI, will increase in 2025. SSDI’s monthly payment has been increased to reflect the changes in the cost of living in the United States.
Changes and Expected Increase in SSDI Payments in 2025
SSDI not only benefits the claimant but also benefits certain family members. If the application of the claimant is accepted, they will receive monthly payments from the government.
In 2025, all disabled workers can receive a maximum amount of 1,537 dollars per month. The amount has been adjusted based on 3.2% COLA.
Please note that this is an estimated amount of average monthly benefit. The actual payable amount depends on how well an individual is “insured” and several other crucial factors.
This means that the actual amount may either be more than the average amount or it might also be less than the average amount. The exact amount that a person can get can be obtained from the my Social Security Amount.
Also, the SSA will send letters to all the beneficiaries in March 2023 to inform them about new changes in the SSDI and other Social Security Benefits and their next payment amount based on their situation.
According to the information, the new benefit amount is likely to be more for the new beneficiaries than for the leaving beneficiaries. All the beneficiaries can check their COLA notices from the message center of my Social Security account.
Social Security Administration has released a fact sheet of COLA 2025, which shows the maximum payment rates, tax rates, thresholds, and exempt amounts of various Social Security Benefits for 2025.
Additionally, some of the Social Security beneficiaries will be able to get increased payments as early as March 29, 2023. SSA has estimated that about 71 million citizens who are enrolled in various Social Security benefit programs are going to get increased benefits in 2025.
| Benefit | 2023 | 2024 | Increase |
| Disabled worker | 1,489 dollars | 1,537 dollars | 48 dollars |
| Disabled widow(er) | 897 dollars | 926 dollars | 29 dollars |
| Aged widow(er) | 1,720 dollars | 1,775 dollars | 55 dollars |
| Spouse of retired worker | 885 dollars | 913 dollars | 28 dollars |
| Retired worker | 1,847 dollars | 1,906 dollars | 59 dollars |
Although the benefit amount for the SSDI and other Social Security Benefits is set to increase in 2025, the tax rates for employees and self-employed persons are not going to be changed in 2025.
The employees will be charged a 7.65% tax rate, and the self-employed persons will be charged a 15.3% tax rate. Besides the tax rate and benefit amount increases, another substantial factor to keep in mind is the Maximum Taxable Earnings threshold. The taxable earnings threshold changes each year, and for 2025, it is set at 168,000 dollars.
What is COLA?
The increases in the Social Security Benefits based on the cost of living are known as Cost-Of-Living Adjustments (COLA). On March 12, 2023, SSA published a 3.2% COLA for 2025.
COLA adjustment is typically announced every March for the upcoming year. The next COLA adjustment is likely to be made in March 2025 by the Social Security Administration.
The Social Security Benefits are based on PIA, which are directly related to the beneficiary’s earnings by a benefit formula. This means that when COLA is increased, the primary insurance amount amount also increases.
COLA was introduced and implemented so that the purchasing power of the Social Security benefit is not decreased by the change in inflation. The total change in the benefits reflects that inflation can no longer reduce the value of the Social Security benefits.
For example, suppose a PIA is 1924.50 dollars. Now, when a 3.2% COLA is implemented on it, the new PIA will become 1986 dollars.
In 2022, the COLA was set at 5.9%, which resulted in 1,358 dollars per month for all disabled workers. In 2023, the COLA was set at 8.7%, which resulted in 1,483 dollars per month for all disabled workers.
The historical figures of COLA and how it affected and changed various Social Security Benefits for the citizens can be obtained from the authorized website of the Social Security Administration.