Following the guidelines set forth by the Social Security Administration (SSA) for this and other programs, including retirement benefits, Social Security Disability Insurance (SSDI) is subject to particular requirements for 2025.
One crucial and fundamental aspect needs to be clarified: applicants must be under full retirement age, which varies from 66 to 67 depending on the year of birth; there is no minimum age requirement for SSDI benefits.
A representative for the SSA clarified, “Once the beneficiary reaches retirement age, the benefits convert to retirement benefits.”
How your SSDI benefits are shaped by your Social Security credits?
A person’s eligibility for some benefits is largely determined by their Social Security credits. A maximum of four credits, or $7,240 annually, will be granted in 2025, with one credit granted for every $1,810 earned.
The age at which a person becomes incapacitated determines how many credits are needed. For instance, if the individual is younger than 28, they must earn at least six credits; if they are older than sixty-two, they must earn up to forty credits.
Additionally, the applicant must have acquired at least 20 credits over the previous ten years if they are 31 years of age or older.
Additional age-based restrictions for SSDI
Those with the greatest Social Security incomes are covered by this sum. According to official data, no modifications are anticipated until 2026 because the adjustments will be made in January.
The transition of SSDI payments to retirement is determined by full retirement age. It is 66 years and 2 months for people born in 1958, 66 years and 4 months for people born in 1959, and 67 years for people born in 1962 and after.
The same staffer explained, “It doesn’t matter when you start SSDI; the benefit is automatically recalculated upon reaching that age.”
Anyone at any age who satisfies the labour requirements can apply for SSDI. However, the handicap must be terminal or endure at least a year, and it must prevent “substantially gainful activity.” In order to approve applications, the SSA reviews job and medical histories; this process frequently takes months.
Young persons under 22 must show that their handicap started before the age of 22 and that a parent is getting retirement benefits or has passed away after making appropriate contributions.
The program does not have a lower age limit. This subgroup qualifies for adult children’s disability benefits.
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In May and June 2025, the maximum SSDI benefit is $4,018 per month
The age at which a handicap becomes available determines the credits for the job duration test. For instance, 18 credits (4.5 years of employment) are needed at age 40, and 40 credits (10 years) are needed at age 62. In order to guarantee enough payments to the system, the official table displays progressive increases.
The aforementioned is enhanced by the most recent employment exam.
People over 31 require 20 credits from the previous 10 years, whereas those between 24 and 31 require half as many credits since they were 21. Six credits must be earned in three years by those under 24. According to an SSA document, “this guarantees recent employment.”
The minimum income required to receive Social Security credits in 2025 is $1,810 per credit. Formal employees and independent contractors accrue the same amount, but they are required to pay the same taxes. Regardless of their health, those who fall short of the yearly threshold are ineligible.
Those who had high earnings for 35 years are eligible for the maximum award of $4,018.
After deducting the five years with the lowest earnings, the average indexed earnings are used in this computation. According to a social policy analyst, “it’s a system designed to reflect lifetime contributions.”
The following are the three May payout dates:
| Payment Date (Wednesday) | Birth Date Range |
| May 14, 2025 | Born between the 1st and 10th of the month |
| May 21, 2025 | Born between the 11th and 20th of the month |
| May 28, 2025 | Born between the 21st and 31st of the month |
The following are the three June payment dates:
| Payment Date (Wednesday) | Birth Date Range |
| June 11, 2025 | Born between the 1st and 10th of the month |
| June 18, 2025 | Born between the 11th and 20th of the month |
| June 25, 2025 | Born between the 21st and 31st of the month |
There are no planned increases for May or June of 2025. Payments are made on the second, third, or fourth Wednesday of each month, depending on the date of birth.
Even though the amount is constant, the beneficiary’s circumstances (such receiving more money) could affect payments, in which case the SSA must be notified very away.
The payment for people who received benefits prior to June 1997 arrived on May 2nd, which was a Saturday, rather than the 3rd.
Additionally, the payment date remains same for individuals who receive these benefits in June: the third.
