Millions of Americans who receive Social Security Disability Insurance (SSDI) are set to receive their May 2025 payments starting this Wednesday, May 14. The Social Security Administration (SSA) will distribute payments across three dates — May 14, 21, and 28 — depending on recipients’ birthdates.
Payment Schedule for May 2025
The monthly SSDI payment schedule follows a long-standing structure established in 1997. Beneficiaries are grouped based on the day of the month they were born:
- May 14: Birthdays from the 1st to the 10th
- May 21: Birthdays from the 11th to the 20th
- May 28: Birthdays from the 21st to the 31st
Those who began receiving SSDI before May 1997 receive their payments on the 3rd of each month, regardless of birth date.
How Much Will You Receive?
In 2025, the maximum SSDI benefit is $4,018 per month, reflecting a 2.5% Cost-of-Living Adjustment (COLA). However, this amount applies only to individuals with a consistent history of high earnings over at least 35 years who retire at full retirement age.
Most beneficiaries receive significantly less. The average monthly SSDI benefit stands at around $1,580, with fewer than 10% qualifying for the maximum amount, according to SSA data.
Tax Implications: Do You Owe the State?
While SSDI benefits are not taxed at the federal level for most people, 12 states may tax them in 2025, depending on your income and filing status. These states include:
- Colorado
- Connecticut
- Kansas
- Minnesota
- Missouri
- Montana
- Nebraska
- New Mexico
- Rhode Island
- Utah
- Vermont
- West Virginia
Each state has its own rules. For instance, Colorado exempts all taxable Social Security income for residents over 65 and offers a $20,000 deduction for those aged 55–64. Other states may provide similar deductions or exemptions based on income thresholds or age.
It’s also worth noting that Supplemental Security Income (SSI) benefits are not taxable in any state.
Stay Informed
If you’re unsure whether your benefits are taxable or want more details about your SSDI payments, contact your local SSA office or state tax agency for clarification.
As May payments begin, recipients are reminded to monitor their deposits and report any irregularities directly to the SSA.