The third installment of Social Security Disability Insurance (SSDI) for June is fast approaching. Beneficiaries awaiting these payments can expect to receive funds according to the established distribution schedule set by the Social Security Administration (SSA).
This article outlines the details of the payment schedule and the factors that determine when you will receive your funds.
Payment Distribution: A Breakdown of the June 2025 Schedule
Earlier this month, two rounds of SSDI payments were issued, with two additional rounds completing the June cycle.
The date on which you will receive your payment is largely determined by your birthdate, and additional factors related to supplemental benefits may also come into play.
Key Payment Dates for June
- For individuals born between the 1st and 10th of the month: Payments will be received on June 11.
- For those born between the 11th and 20th: Payments will be received on June 18.
- For individuals born between the 21st and 31st: Payments will be received on June 25.
These dates ensure that all SSDI recipients will receive their payments in a timely and predictable manner, following the SSA’s protocols.
Who Is Eligible for SSDI?
SSDI is available to individuals who have worked and paid into the Social Security system but are now unable to work due to a qualifying disability.
Each year, the SSA reviews eligibility guidelines to ensure that those who truly need assistance are covered.
For those who began receiving SSDI before May 1997, different regulations apply, particularly regarding the timing of their payments.
Understanding the Payment System
The payment distribution for SSDI follows a well-structured timetable, which is mostly dependent on your birthdate:
- Birthdates between the 1st and 10th: Payment on the second Wednesday of the month.
- Birthdates between the 11th and 20th: Payment on the third Wednesday of the month.
- Birthdates between the 21st and 31st: Payment on the fourth Wednesday of the month.
If your scheduled payment date falls on a bank holiday, adjustments are made accordingly, and these changes are typically announced at the start of each year.
June 2025 Payment Breakdown
For beneficiaries under the pre-May 1997 rule, who also receive Supplemental Security Income (SSI), the first round of payments occurred on June 3, as there were no changes to the standard schedule.
For others, the payment dates are as follows:
- June 11 – For those born between the 1st and 10th.
- June 18 – For those born between the 11th and 20th.
- June 25 – For those born between the 21st and 31st.
These dates are fixed and unaffected by changes in bank holidays.
How to Calculate Your SSDI Benefits
The maximum SSDI benefit for 2025 is $4,018 per month, which applies to individuals who had high, consistent earnings throughout their working life. However, the average monthly SSDI payment is $1,580 after applying a 2.5% cost-of-living adjustment (COLA).
The calculation of SSDI benefits is based on the highest 35 years of your earnings. The formula works as follows:
- 90% of the first $1,226 of average indexed monthly earnings (AIME).
- 32% of AIME between $1,226 and $7,391.
- 15% of AIME over $7,391.
It’s important to note that while these amounts represent the maximum SSDI payout, your specific benefit will depend on your earnings history and the applicable guidelines.
The SSDI payment process for June 2025 is set to follow a structured timetable based on birthdates, with payments arriving in multiple rounds throughout the month.
The maximum SSDI benefit in 2025 is substantial, though the average payment will be lower depending on individual earnings history.
It’s crucial for beneficiaries to keep track of their payment schedules and understand how their benefit amount is calculated based on their lifetime earnings.
FAQs
When will I receive my SSDI payment in June 2025?
Your payment will be determined by your birthdate. If your birthday falls between the 1st and 10th, expect payment on June 11; if between the 11th and 20th, June 18; and if between the 21st and 31st, June 25.
How does the SSA calculate my SSDI benefit?
The SSA uses a formula based on your highest 35 years of earnings, with different percentages applied to different ranges of your average indexed monthly earnings (AIME).
What if my payment date falls on a holiday?
If your scheduled payment date coincides with a bank holiday, the SSA will adjust the payment date accordingly. These changes are typically announced at the beginning of the year.