Social Security Disability Insurance (SSDI) is a government program that helps people in the U.S. who can’t work because of disabilities. Every year, the Social Security Administration (SSA) updates the payment amounts to help cover the cost of living. For 2024, there are new details you need to know about these benefits.
What is SSDI?
SSDI stands for Social Security Disability Insurance. It’s a program that gives money each month to people who can’t work because they have a disability. To get SSDI, you need to have paid Social Security taxes when you were working. The average SSDI payment in 2024 is $3,822 per month. This amount has gone up a bit because of something called the Cost of Living Adjustment (COLA). COLA helps make sure that the money people get from SSDI keeps up with the rising cost of living.
Who Can Get SSDI?
To get SSDI, you have to meet certain rules set by the SSA:
- You must live in the U.S.: Only U.S. residents can get SSDI.
- Your age: While SSDI is often for people aged 65 and older, younger people with disabilities can also qualify.
- Disability status: You must have a disability as defined by the SSA.
- Social Security taxes: You must have paid Social Security taxes when you were working.
- Insurance coverage: You need to have disability insurance coverage.
When Do You Get Paid?
SSDI payments are sent out every month. The date you get paid depends on your birthday:
- If you were born on the 1st-10th of the month: You’ll get paid on the 2nd Wednesday.
- If you were born on the 11th-20th of the month: You’ll get paid on the 3rd Wednesday.
- If you were born on the 21st-31st of the month: You’ll get paid on the 4th Wednesday.
Here are some upcoming payment dates:
- Born 21st-31st: June 26, 2024
- Born 1st-10th: July 10, 2024
- Born 11th-20th: July 17, 2024
- Born 21st-31st: July 26, 2024
How Much Will You Get?
The amount of SSDI money you get each month depends on your disability status:
- Standard Benefit: $3,822 per month
- Non-Blind but Disabled: $1,550 per month
- Blind Individuals: $2,590 per month
The money is directly deposited into your bank account.
Cost of Living Adjustment (COLA)
Every year, SSDI payments may increase a bit because of the Cost of Living Adjustment (COLA). For 2024, the COLA is 3.2%, which means most people will get about $50 more each month. This adjustment is important because it helps your SSDI payments keep up with inflation, so you can afford the things you need.
| Topic | Details |
|---|---|
| Average SSDI Payment (2024) | $3,822 per month |
| Cost of Living Adjustment (COLA) | 3.2% increase (~$50 more per month) |
| Payment Schedule | Depends on Birth Date: |
| – Born 1st-10th: 2nd Wednesday of the month | |
| – Born 11th-20th: 3rd Wednesday of the month | |
| – Born 21st-31st: 4th Wednesday of the month | |
| Non-Blind but Disabled Payment | $1,550 per month |
| Blind Individuals Payment | $2,590 per month |
| Eligibility Criteria | – Must be a U.S. resident |
| – Must have paid Social Security taxes | |
| – Must have a qualifying disability | |
| – Must have disability insurance coverage | |
| How to Apply for SSDI | – Visit the SSA Official Website |
| – Create an account and enter your information | |
| – Fill out and submit the application with necessary documents | |
| Next Payment Dates | – Born 21st-31st: June 26, 2024 |
| – Born 1st-10th: July 10, 2024 | |
| – Born 11th-20th: July 17, 2024 | |
| – Born 21st-31st: July 26, 2024 |
How to Apply for SSDI
If you think you might qualify for SSDI, here’s how you can apply:
- Visit the SSA Website: Go to the official SSA website.
- Choose the Right Category: Select whether you are applying for a child, adult, or senior citizen.
- Create an Account: Enter your details to make an ID and password.
- Fill Out the Application: Complete the application form with all the right information and include any necessary documents.
- Submit Your Application: The SSA will review your application and let you know if you’re approved.
FAQs
What is the average SSDI payment for 2024?
The average monthly SSDI payment in 2024 is $3,822.
How does the Cost of Living Adjustment (COLA) affect my SSDI payment?
For 2024, the COLA is 3.2%, which increases most beneficiaries’ payments by about $50 per month.
When will I receive my SSDI payment?
SSDI payments are sent out monthly, with the exact date depending on your birthdate. For example:
Born 1st-10th: Paid on the 2nd Wednesday
Born 11th-20th: Paid on the 3rd Wednesday
Born 21st-31st: Paid on the 4th Wednesday
How much will I receive if I am not blind but disabled?
If you are non-blind but disabled, you can expect to receive $1,550 per month.
What is the SSDI payment amount for blind individuals?
Blind individuals receive $2,590 per month in SSDI benefits.
Understanding how SSDI works and when you’ll get paid is really important if you or someone you know has a disability. The 2024 SSDI pay chart shows the new payment amounts and helps you plan your finances. If you meet the eligibility criteria, applying for SSDI can give you the financial support you need to manage your expenses. For more details and to apply, visit the SSA’s official website.
