To qualify for SSDI, individuals must have worked for a sufficient period and paid Social Security taxes.
SSDI benefits are based on the applicant’s lifetime average earnings. In 2025, the average monthly benefit amount is projected to be around $1,450.
Social Security Disability Insurance benefits are adjusted annually for inflation through a Cost-of-Living Adjustment (COLA), which helps keep up with the rising cost of living.
SSDI provides work incentives to help recipients return to work without immediately losing their benefits.
The application process for SSDI can be lengthy and requires detailed medical and work history documentation.
After 24 months of receiving SSDI benefits, recipients become eligible for Medicare, providing them with health coverage to address the needs arising from their disability.
SSDI beneficiaries may be eligible for additional assistance, including Supplemental Security Income (SSI) or state-based programs, depending on income and resources.
In March 2025, the SSDI trust fund is projected to face potential shortfalls, raising concerns about future funding and possible adjustments to benefit payments or tax rates.