If you’re receiving Social Security Disability Insurance (SSDI), knowing exactly when your monthly check drops helps with budgeting and peace of mind.
The Social Security Administration (SSA) follows a consistent schedule based on birthdates, with different groups receiving payments on the 2nd, 3rd, or 4th Wednesday.
Let’s break down your payment date, the 2025 benefit amounts, how they’re calculated, and what to do if your payment doesn’t show.
SSDI Payment Schedule by Birthdate – September 2025
| Birthday Range | Payment Date (2025) |
|---|---|
| 1st – 10th | Wednesday, September 10 |
| 11th – 20th | Wednesday, September 17 |
| 21st – 31st | Wednesday, September 24 |
| SSDI + SSI or Pre-May 1997 | Wednesday, September 3 |
This staggered schedule ensures smoother distribution and clarity for beneficiaries.¹
Average and Maximum SSDI Payments in 2025
- Average SSDI benefit: approximately $1,580 per month, thanks to a 2.5% cost-of-living increase (COLA).
- Maximum SSDI benefit: up to $4,018 per month, available only to those with extensive work histories and top earnings.
Your actual benefit depends on your Primary Insurance Amount (PIA), based on your lifetime earnings record.
SSDI Eligibility Highlights
To qualify for SSDI:
- You must have a long-term or terminal disability, expected to last at least one year.
- Must accumulate enough work credits (typically 40), with at least 20 earned in the past decade.
- Monthly earnings must stay under the Substantial Gainful Activity (SGA) limit—$1,620 for non-blind individuals in 2025.
What to Do If Your SSDI Check Doesn’t Arrive
If your payment doesn’t appear on your expected date:
- Allow three business days, as banks may process payments with delays.
- Check your “my Social Security” account on the SSA website for status updates.
- If still delayed, contact SSA directly for assistance or visit your local office.
Your SSDI check for September will arrive based on your birthdate: September 10 (1–10), September 17 (11–20), or September 24 (21–31), while select benefit combinations get paid on September 3.
The average 2025 SSDI payment is roughly $1,580, with a maximum of $4,018 for the highest earners.
If you’re expecting SSDI this month, mark your calendar and, if needed, follow the steps above to trace any missing payments. Want help estimating your benefit or setting up notifications?
FAQs
The SSA staggers payments by birthdate—2nd, 3rd, or 4th Wednesday—to manage processing more evenly.
No—the $1,580 average reflects a COLA-adjusted average; actual amounts vary based on your individual earnings and disability history.
They may be—SSDI income could be taxable depending on your combined income, so consult a tax professional. (Not cited as user did not request sources on this.)