If you receive Social Security Disability benefits, whether that’s Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), a critical annual update is the Cost-of-Living Adjustment (COLA). For 2025, beneficiaries are set to receive a 2.5% COLA increase. Below, we’ll break down what this means for you, highlight the updated earning thresholds, and offer tips on making the most of your benefits.
The 2025 COLA at a Glance
- New COLA: 2.5% increase from 2024 benefit amounts
- When it applies: Starts with January 2025 benefits, which are paid on different days in February depending on the recipient’s date of birth
- Why it matters: Helps your monthly Social Security benefits keep pace with inflation and the rising costs of everyday living
For many beneficiaries, even a modest bump can go a long way toward covering essentials like housing, groceries, or healthcare.
Comparing Key 2024 vs. 2025 Figures
For individuals receiving SSDI, the Substantial Gainful Activity (SGA) levels will also rise slightly:
| Item | 2024 | 2025 |
|---|---|---|
| Non-Blind Substantial Gainful Activity (SGA) | $1,550/month | $1,620/month |
| Blind Substantial Gainful Activity (SGA) | $2,590/month | $2,700/month |
| Trial Work Period (TWP) | $1,110/month | $1,160/month |
These figures are crucial if you’re testing your ability to return to the workforce or working part-time. Exceeding the SGA limit could affect your SSDI eligibility, so keep a close eye on your monthly earnings.
SSI Updates for 2025
If you receive Supplemental Security Income (SSI), here’s what you need to know:
| SSI Federal Payment Standard | 2024 | 2025 |
| Individual | $943/month | $967/month |
| Couple | $1,415/month | $1,450/month |
The resource limits remain $2,000 for an individual and $3,000 for a couple. Also, the SSI Student Exclusion now allows a student to exclude up to $2,350 per month (and $9,460 per year) in 2025, up from $2,290/month (and $9,230/year) in 2024.
Estimated Monthly Benefits After the 2.5% COLA
The Social Security Administration (SSA) provides estimates of average monthly benefits before and after the 2.5% COLA. Here are a few notable examples for January 2025:
| Beneficiary Type | Before 2.5% COLA | After 2.5% COLA |
| All Retired Workers | $1,927 | $1,976 |
| Aged Couple (Both Receiving Benefits) | $3,014 | $3,089 |
| Widowed Mother & Two Children | $3,669 | $3,761 |
| Aged Widow(er) Alone | $1,788 | $1,833 |
| Disabled Worker, Spouse, & One or More Children | $2,757 | $2,826 |
| All Disabled Workers | $1,542 | $1,580 |
These average amounts can help you anticipate what your own increase might look like, though your exact figure will depend on your personal earnings record and benefit history.
Making the Most of Your 2025 Benefits
- Review Your Benefit Letter or “mySocialSecurity” Account
- The SSA typically sends out notices in the fall with updated benefit amounts. You can also log in to your mySocialSecurity account to see your new monthly payment.
- Check Other Assistance Eligibility
- A higher SSDI or SSI payment might affect income-based programs like Medicaid or food assistance (SNAP). Verify whether your new benefit amount changes your status.
- Plan Your Budget
- Even a 2.5% increase can help cover rising costs. Compare your new monthly income to living expenses (rent, utilities, groceries) to see if adjustments are needed.
- Watch the Earnings Limits
- If you’re attempting to return to work, be mindful of the new SGA levels ($1,620 for non-blind, $2,700 for blind in 2025). Earning above these thresholds could affect your SSDI benefit.
- Ask for Help if Needed
- From filing appeals to understanding complex rules like the Trial Work Period (TWP), don’t hesitate to consult with a disability attorney or advocate if you’re unsure of your rights and options.
Frequently Asked Questions
When does the 2.5% COLA kick in?
Benefits paid in January 2025 will reflect the new rate. You’ll typically see the increase in your February 2025 payment.
How do I know if my benefit amount is correct?
Log into your “mySocialSecurity” account or wait for the mailed notice from the SSA. If the number seems off, contact the SSA or speak with a qualified representative.
Could my SSI eligibility change if my monthly benefit goes up?
Yes, if you’re near the SSI income/resource limits, an increase could affect your benefit. Always double-check with the SSA to confirm.
Will my Medicare premiums cancel out the COLA increase?
It depends on the premium amounts for Parts B and D, which often change yearly. Check your Medicare notices to see if your premiums offset some of the COLA.
Conclusion
Navigating Social Security Disability changes can feel overwhelming but understanding the 2.5% COLA and the new 2025 thresholds can help you plan ahead. Whether you’re an SSDI recipient worried about SGA limits or an SSI recipient tracking monthly payment standards, these updates are designed to ensure your benefits keep pace with inflation and rising costs.
If you have more questions about your Social Security Disability benefits or you’re unsure how these changes might affect your eligibility for other programs, contact a qualified Social Security Disability lawyer or disability advocate.
