Social Security Disability Insurance (SSDI) benefits are adjusted annually to keep up with inflation. For 2025-2026, recipients can expect a modest but critical increase due to the Cost-of-Living Adjustment (COLA). What matters is:
- Projected 2025 COLA rates (based on CPI-W data).
- Estimated monthly payment increases.
- How to calculate your new benefit amount.
2025 COLA Projections
The Social Security Administration (SSA) announces the official COLA each October, but early estimates suggest a 2.7–3.2% increase for 2025. Here's what that means:
- Average SSDI Payment: 1,500/month→∗∗1,500/month→∗∗1,540–$1,548/month** in 2025.
- Maximum Benefit: 3,627/month→∗∗ 3,627/month→∗∗ 3,725/month**.
Factors Affecting Your Increase
- Primary Insurance Amount (PIA): Your base benefit before adjustments.
- Medicare Part B Premiums: Rising premiums may offset COLA gains.
While COLA helps combat inflation, it's essential to budget wisely. Stay updated via the SSA's official announcement in October 2024.