Are You Getting Paid on June 25? Here’s Who Qualifies for the Last SSDI Check

Are You Getting Paid on June 25: For those relying on Social Security Disability Insurance (SSDI) payments, receiving your monthly check is often a crucial part of managing your financial stability. With the June 2025 payment schedule approaching, many will wonder whether they are among those who will be receiving payments on June 25. In this guide, we’ll break down the Social Security Disability Insurance (SSDI) payment schedule, explain how the payments are determined, and offer practical advice to ensure you are getting the benefits you deserve. If you’re new to SSDI or simply need a refresher, we’ve got you covered. Read on to learn about the significance of payment dates, eligibility criteria, and what to do if there are issues with your payment.

Are You Getting Paid on June 25?

Understanding the SSDI payment schedule is essential for staying on top of your finances and planning ahead. By knowing when your payment will be issued, how the cost-of-living adjustment (COLA) impacts your monthly benefits, and what to do if your payment is delayed, you can avoid confusion and ensure you receive the support you need. If you have any questions, don’t hesitate to contact the Social Security Administration through their official website or customer service hotline. Staying informed about your SSDI benefits can help you feel more secure and confident about managing your financial future.

What is SSDI?

Social Security Disability Insurance (SSDI) is a federal program that provides monthly payments to people who are unable to work due to a disability. Administered by the Social Security Administration (SSA), SSDI is funded through payroll taxes paid by workers throughout their careers.

To qualify for SSDI, you need to have worked a specific number of years and paid into the Social Security system via payroll taxes. The number of required work credits varies based on your age, but typically you’ll need 40 credits, with 20 of those credits earned in the last 10 years before your disability began.

It’s important to note that SSDI is different from Supplemental Security Income (SSI), which is a needs-based program for individuals with low income and resources. SSDI is based on your work history and the taxes you’ve paid, while SSI considers your income level.

Example of SSDI Eligibility:

• Mary: A 35-year-old who has worked for 10 years and paid into Social Security. She becomes disabled due to a severe back condition. Mary qualifies for SSDI because she has enough work credits.
• John: A 30-year-old who has worked for 5 years and is diagnosed with a disability. Unfortunately, he doesn’t have enough work credits to qualify for SSDI and may need to look into SSI or other forms of financial assistance.

Understanding the Payment Schedule

The Social Security Administration uses a staggered payment system based on your birthdate to determine when your SSDI benefits will arrive each month. Here’s how it works:

• If your birthday is between the 1st and 10th of the month, you will receive your payment on the second Wednesday of the month.
• If your birthday falls between the 11th and 20th, your payment will arrive on the third Wednesday of the month.
• If your birthday is between the 21st and 31st, your payment will be made on the fourth Wednesday of the month.

In June 2025, the payment dates are:

• June 11: For individuals born between the 1st and 10th of the month.
• June 18: For individuals born between the 11th and 20th.
• June 25: For individuals born between the 21st and 31st.

If you started receiving SSDI benefits after May 1997, your payment will most likely arrive on June 25. However, if you began receiving benefits before May 1997, your payment likely already arrived on June 3.

How Long Does It Take to Receive SSDI Payments?

The time it takes to start receiving SSDI payments can vary. On average, it takes about 3 to 5 months after you apply for SSDI before you start receiving your first payment. Some individuals may have to wait longer if there are delays or if there’s a need for additional documentation.

It’s important to keep track of your application and ensure all necessary paperwork is submitted on time. The SSA will notify you about your approval and the specific date your payments will begin. From that point, you’ll receive your payments on the set schedule according to your birthdate.

How Does the Cost-of-Living Adjustment (COLA) Impact SSDI Payments?

A key feature of SSDI payments is the Cost-of-Living Adjustment (COLA), which is designed to help the benefits keep up with inflation and the rising cost of living. In January 2025, a 2.5% COLA increase was applied to SSDI payments, meaning that your payment amount will be higher than in previous years.

For instance, if your SSDI benefit was $1,200 per month before the COLA adjustment, it will increase to around $1,230 per month. This increase is meant to ensure that the purchasing power of SSDI recipients is not diminished by inflation. However, the exact amount varies depending on your work history and the age at which you began receiving benefits.

How COLA is Calculated:

• The COLA is based on the Consumer Price Index (CPI), which measures inflation. Each year, the SSA evaluates whether the cost of living has increased enough to warrant a raise in payments.
• For 2025, the 2.5% increase is designed to keep pace with inflation, particularly in areas like housing costs, groceries, and healthcare.

In 2025, the average SSDI benefit is projected to be approximately $1,300 per month for a single person. This increase, while modest, plays a significant role in helping recipients maintain their purchasing power in an economy with rising costs.

What Happens If You Don’t Get Paid on June 25?

Occasionally, you may encounter issues where your SSDI payment does not arrive on time. If this happens, the Social Security Administration recommends waiting for three additional mailing days before contacting them. Payment delays can occur due to administrative processing or banking issues. In the meantime, check your bank account or Direct Express card to see if the payment has been processed.

If after waiting you still have not received your payment, contact the SSA through their official helpline at 1-800-772-1213, or visit their website at www.ssa.gov. Always have your Social Security Number and payment details ready when contacting the SSA for quicker assistance.

Common Issues with SSDI Payments:

• Bank Processing Errors: Sometimes, banks or financial institutions may experience delays in processing your SSDI payment.
• Incorrect Address: If you have recently moved and haven’t updated your address with the SSA, your payment may be sent to the wrong location.
• Discrepancies in Payment Amount: If the payment amount seems off or incorrect, it’s best to reach out to the SSA for clarification.

How to Ensure You’re Receiving the Correct Payment?

To ensure that you receive your SSDI payment without delays or errors, there are a few simple steps you can take:

1. Update Your Information: Always keep your bank account information, address, and contact details up to date with the SSA. You can make these changes online through your my Social Security account or by calling the SSA.
2. Use Direct Deposit: Opt for direct deposit or a Direct Express card to receive your payments faster and more securely. These options eliminate the risk of checks getting lost in the mail.
3. Check Your Payment Status: You can log into your my Social Security account to check your payment status and view your payment history. You can also call the SSA for assistance if you encounter issues.

Example of Payment Schedule

Let’s take an example: If you were born on June 23, your payment will be issued on the fourth Wednesday of the month, which is June 25, 2025. If you are a new SSDI recipient, you’ll also need to wait for your first payment to arrive. In some cases, your first payment may take a few weeks to process, but once that’s done, the monthly payment schedule will continue as planned.

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Resources for Help

The Social Security Administration is there to help if you run into any issues or have questions about your SSDI benefits. Here are some helpful resources:

• Official SSA Website: Visit www.ssa.gov for more information on payments, eligibility, and more.
• Helpline: Call 1-800-772-1213 for customer service.
• My Social Security Account: Manage your account, update your information, and track your payments via your online account.