The Social Security Disability Insurance (SSDI) is more than just a monthly check. It is a safety net that you have built up over the years of work. Think of it as an emergency fund that you can use when you have to stop doing everything because of your health.
Now, the payment dates for April 2025 are set, but getting your money on April 9, 16, or 23 is not the same. Those are the only three dates that the Social Security Administration (SSA) says payments will be made.
It depends on the day you were born. If your birthday is not one of those dates, your case may be unique (for example, you may also get SSI). It is important to know two things: how your amount is calculated (hint: your work contributions are the most important thing) and why everyone gets their money at different times.
April 2025 SSDI benefit payment dates
As we already said, your birthday determines when you get your disability benefits because the SSA sends out payments every three weeks on Wednesdays. This is what the calendar looks like for April of next year:
- Born between 1 and 10: Wednesday, April 9.
- Born between 11 and 20: Wednesday, April 16.
- Born between 21 and 31: Wednesday, April 23.
But there are exceptions:
- If you receive both SSDI and SSI (or you started charging before May 1997), your cigar arrives on April 3 (Thursday).
- If you only receive SSI, you will collect it on April 1 (Tuesday), without changes because it does not fall on a weekend.
How does the SSA calculate your monthly disability payment?
- AIME (Average Indexed Monthly Income): They take your 35 highest earning years (adjusted for inflation), add them and divide by 420 months (35 years x 12).
- PIA (Primary Insurance Amount): They apply a formula to AIME to determine your base profit. In 2025, the formula is:
- 90% of the first $1,226 of the AIME.
- 32% of whatever is between $1,226 and $7,391.
- 15% of those income that exceeds $7,391.
If you have questions, the SSA has options so you can answer them
You can get all the information you need about your benefits from the Social Security Administration (SSA) in two ways. You can start by making an account in “my Social Security.”
At ssa.gov/myaccount, you can see important information like your payment history and when your next payment is due. You can get to your information quickly and easily through this free and safe service.
Calling 1-800-772-1213 is the second choice. After making sure you are who you say you are, an SSA agent will be able to help you. You can use this method if you want to get individual help or if you have specific questions about your case. Y
ou can go to a local SSA office if you can not use the internet or the phone. This process usually takes longer, though, because there are so many things that need attention. So, the best thing to do is to try the online or phone options first.
Don’t overlook these things if you already receive SSDI
SSDI is not permanent by default; if you get better and can go back to work, your benefits can be changed. But there are programs that offer incentives to make the change less abrupt.
It is reported as income in some states if you get SSDI. If you have questions, talk to an accountant. People in the family can also get help: Your spouse or children under 18 (or 19 if they are in school) may be able to get a portion of your benefit.
Tell the SSA right away if you go back to work, get better medically, or if things change in your home (like getting divorced or having new dependents). These things can change your benefits. Do not be afraid to ask for help; they offer free hotlines and advisors.
