How Much Will SSDI Go Up In 2025?

How much will SSDI go up in 2025? That is an important question for individuals relying on Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Any increase in benefits can have a significant impact on financial stability.

In 2025, beneficiaries will see a 2.5% Cost-of-Living Adjustment (COLA) to help mitigate the effects of inflation and the rising cost of living. While this increase is modest, it provides some relief to those who depend on these benefits for daily expenses. Understanding how this adjustment affects monthly payments, income thresholds, and tax considerations is crucial for planning ahead.

At Culbertson, Jacobs & LaBoda, we know that navigating the complexities of SSDI and SSI can be overwhelming, especially when dealing with a claim denial or the appeals process. Our skilled legal team helps individuals secure the benefits they deserve, whether they are filing an initial claim, appealing a denial, or seeking guidance on eligibility changes in 2025.

Understanding the 2.5% SSDI 2025 Increase

Each year, the Social Security Administration (SSA) applies a Cost-of-Living Adjustment to ensure that SSDI and SSI benefits keep pace with inflation. If you are asking, “How much will SSDI go up in 2025?” here is the answer. For 2025, this 2.5% increase will apply to all Social Security benefits, including disability and retirement payments.

For SSDI recipients, this means a modest increase in monthly payments. On average, beneficiaries can expect their monthly payments to go up by approximately $50. While this may not seem like a significant amount, every dollar counts for those managing essential expenses such as housing, medical bills, and daily necessities.

SSDI Updates for 2025

For those receiving SSDI, the 2025 COLA brings several key changes:

The maximum SSDI monthly payment will increase from $3,822 in 2024 to $4,018 in 2025.
Family benefits, which provide payments to eligible dependents, will continue to be calculated at up to 150% of the disabled worker’s benefit.
The maximum earnings subject to Social Security tax will increase to $176,100 in 2025.

These adjustments are particularly important for individuals still working while receiving SSDI, as exceeding the earnings limit can impact benefit eligibility.

SSI Adjustments and What They Mean for Recipients

The Supplemental Security Income (SSI) program is designed for individuals with limited income and resources. In 2025, SSI recipients will also benefit from the 2.5% COLA increase.

The maximum SSI payment for individuals will rise to $967 per month.
For couples, the maximum monthly payment will increase accordingly.

Eligibility for SSI is based on strict income and asset limits. Individuals must have assets totaling less than $2,000, while couples must remain under $3,000 to qualify.

Income Thresholds, Deductions, and Common Pitfalls

For those receiving SSDI or SSI, staying within the income thresholds set by the SSA is crucial. In 2025, the income limits for SSI eligibility will remain strict, meaning:

Individuals with less than $2,000 in assets can qualify.
Couples must stay under $3,000 in total resources.
Certain exclusions, such as the first $20 of unearned income, may help reduce the amount deducted from benefits.

If you fail to report changes in income or assets, it can lead to benefit reductions, overpayments, or even suspension of benefits.

Key Dates to Remember

For 2025, SSDI and SSI beneficiaries should keep these important dates in mind:

COLA adjustments went into effect in January 2025.
SSA notified recipients of their new payment amounts in December 2024.
Annual income and tax deadlines remain essential for those who must report earnings.

Understanding these timelines ensures that beneficiaries are prepared for payment changes or eligibility requirements.

How Culbertson, Jacobs & LaBoda Can Help

At Culbertson, Jacobs & LaBoda, we are committed to helping individuals secure and maintain their Social Security benefits. Whether you are filing a new SSDI or SSI claim, appealing a denied claim, navigating complex Social Security rules, or seeking legal representation for an ALJ hearing, our experienced disability attorneys are here to guide you through the process and advocate on your behalf.

We understand that the application and appeals process can be frustrating, but you do not have to go through it alone.