The change in the schedule for SSDI payments in July is something that most disability beneficiaries are completely unaware of and consequently can surprise them. While direct deposits average at $1,581 and go up to $4,018 for high earners it is just as essential to learn not only just when the payments arrive but also to be able to plan around them – especially in the case of your budget being dependent on Social Security income.
SSDI Payments for June: Who Already Received the Payment and Who Steps Forward
As of June 3, most of the Social Security Disability Insurance (SSDI) pensioners had already received their payments, if not earlier. To be exact, those people since May 1997, who have been benefiting from the Social Security program or are eligible for SSI (Supplemental Security Income) had their payments made in the days before. This particular group basically gets all of their payments on the 3rd of the month unless it is a workday or a day-off (a holiday).
If one has started to draw SSDI after April 30, 1997, the June payment shall occur on the date specified in your birth certificate, as deposits are scheduled as follows:
- June 11: Birthdays from 1st–10th
- June 18: Birthdays from 11th–20th
- June 25: Birthdays from 21st–31st
It follows that the majority of SSDI beneficiaries are still in a state of uncertainty whether their June payments will still be credited – hence, the knowledge of your exact birth date comes in handy to calculate the release date.
SSDI Payments Will Be Available in July with a New Date—Note Them Now!
Earlier this year, many recipients experienced the unexpected decision of the Social Security Administration as they paid July SSDI benefits almost a week ahead of the normal schedule. As the second Wednesday of the month is falling on July 9, several of the recipients can expect to receive their money two days in advance than the previous month which was June.
Below is the entire SSID payment schedule for July:
- July 3: If you’re on SSDI before May 1997 or get both SSI and SSDI
- July 9: Birthdays from 1st–10th
- July 16: Birthdays from 11th–20th
- July 23: Birthdays from 21st–31st
This early schedule may be a good opportunity to reduce the effect of the rising living costs on beneficiaries, and the drawback of the schedule means that you should get your monthly budget plan prepared earlier than before.
What If Your SSDI Payment Is Delayed?
In case the money from your SSDI benefit has been delayed in arriving, fear not. Follow this suggestion as your next steps:
- Wait at least 3 business days beyond your scheduled date—bank processing delays can happen.
- Check your SSA account online to confirm payment status.
- Call your bank or financial institution to verify if the deposit was received but is pending.
- Contact the SSA directly if more than 5 business days have passed with no deposit.
It is a very helpful tip to verify with the Social Security Administration that your address and banking information is up to date if you want to avoid issues connected with the same.
How Payment Amounts Are Calculated—and Why $4,018 Isn’t Common
There are, indeed, a few SSDI beneficiaries that can be paid as much as $4,018 per month, but it is a rare occurrence. That number refers to persons of the following nature:
- Had long careers in SSA-covered employment
- Earned the maximum taxable income for at least 35 years
- Were forced to apply for SSDI due to a disability that ended their career prematurely
Especially in a potential worst-case scenario where a payment amount of $4018 is handed out, the payment would represent the highest amount for an individual that qualifies for…
Most SSDI recipients get money closer to the national average of $1,581, although individual cases can determine the amount; it depends on the work history, earnings, and filing age of each case.
Your SSDI Timeline Review is Helpful for Being Prepared in Advance
With the first check on the way or if you are just notified of approval, go through your award letter and check for:
- Your official payment start date
- Deposit method (check or direct deposit)
- Your assigned Wednesday based on your birthday
By doing this now, you are avoiding stress later, especially with the payment dates shifting from month to month.
