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SSDI January 2025: The Second Round of COLA-Boosted Checks Are Headed Out
The second round of COLA-boosted Social Security Disability Insurance checks are headed to recipients in just a couple of days. Beneficiaries should see a 2.5% increase in their checks compared to last year, though the specific amount will depend on your current case. If you're unsure when you should expect your check.The Social Security Administration sends monthly payments to people who have a disability that stops or limits their ability to work. Depending on the situation of the individual, others may qualify and can apply for SSDI as well.For more, here's what you can do if you're last payment never arrived, and here's the Supplemental Security Income payment schedule.Payment schedule if you've had SSDI since May 1997 or earlierIf you started getting SSDI before May 1997, you'd usually receive your payment on the third day of every month. Note that this isn't always the case, like when the third day falls on a weekend or holiday. This past March was such a month, and SSDI recipients received their payments two days earlier, on the first day of the month.For everyone else, payments are birth date-dependentIf you began receiving SSDI after May 1997, then your payment date is determined by the day of the month you were born. Payments are typically paid out on the second, third and fourth Wednesday of the month. Which Wednesday you get your check breaks down like this: Smart Money Advice on the Topics That Matter to You CNET Money brings financial insights, trends and news to your inbox every Wednesday. Birthdate betweenSocial Security check date 1 and 10 of the month Second Wednesday of the month11 and 20 of the month Third Wednesday of the month21 and 31 of the month Fourth Wednesday of the month When you'll get your SSDI payment for JanuaryHere's when your SSDI payment should arrive this month: If you've received Social Security before May 1997 Jan. 3If your birthday falls between day 1 and 10 of the month Jan. 8If your birthday falls between day 11 and 20 of the month Jan. 15If your birthday falls between day 21 and 31 of the month Jan. 22 Will the 2025 COLA affect my payment?Probably, but it depends. The COLA for 2025 introduces a 2.5% increase in monthly benefit checks, but exactly how much of an increase will depend on several factors. Any monthly income, how long you've received benefits, and what type of benefit you receive can result in a different payment increase. Recipients should have received their COLA notice sometime in December with specific details on their case. A COLA of 2.5% will add about $48 to the average benefits check. Smart Money Advice on the Topics That Matter to You CNET Money brings financial insights, trends and news to your inbox every Wednesday. For more, don't miss four ways you could lose your Social Security benefits and how to apply for SSI.
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