SSI and SSDI Payments – Check Your Bank Account if You’re Receiving Disability Benefits Tomorrow

For those receiving Social Security Disability Insurance (SSDI), disability benefits will not end in September. Payments will continue, and the last scheduled SSDI payment this month is set for September 25, 2024. However, if you receive Supplemental Security Income (SSI), you’ll have to wait until October for your next payment.

Let’s cut into the payment schedule, eligibility requirements, and how much you can expect from SSDI and SSI in the upcoming months.

Payment Dates

If you receive SSDI benefits, the final payday for September is September 25, 2024. This date applies if you were born between the 21st and 31st of any month, as long as you filed for SSDI and your benefits began after April 30, 1997. Your birth month doesn’t affect the timing—it’s just the day that counts.

If you started receiving SSDI before May 1997, your next payment won’t be in September but on October 3, 2024. The same October 3 payday applies if you receive both SSI and SSDI.

SSI Payments in October

SSI recipients have a slightly different schedule. Your next SSI payment is due on October 1, 2024. After that, the following SSI payment will be on November 1, 2024. This staggered payment structure ensures you still receive monthly benefits, but there’s no SSI check in September for most recipients.

Eligibility

To qualify for the September 25 SSDI payment, you must meet specific criteria. Most importantly, your birth date must fall between the 21st and 31st of any month. Additionally, you need to have started receiving SSDI after April 30, 1997. If you began receiving benefits before that date, you’re scheduled to get paid on October 3 instead.

If you receive both SSDI and SSI, the October 3 payment will cover both programs, while SSI payments will resume on October 1.

Payment Amounts Vary

The amount you receive from SSDI varies depending on several factors, including how long you worked, your earnings, and when you filed for benefits. SSDI payments can reach as high as $3,822, but the average SSDI recipient gets around $1,539 a month. The later you file, the higher your potential payment.

SSI payments, on the other hand, are significantly lower. The maximum SSI benefit for an eligible married couple is $1,415. For individuals, the maximum is $943. Most SSI recipients receive an average of $698 a month.

Eligibility Requirements

To qualify for SSI, you must meet specific income, age, or disability criteria. Here are the key requirements:

• Be 65 or older, blind, or disabled
• Have limited income and financial resources
• Be a U.S. citizen, national, or qualified noncitizen
• Reside in one of the 50 states, D.C., or Northern Mariana Islands
• Not be absent from the U.S. for a full calendar month or 30+ consecutive days
• Apply for any other cash benefits you might be eligible for

SSDI Eligibility

For SSDI, your eligibility is based on your work history and disability status. Here are the main criteria:

• You must be deemed disabled under Social Security’s definition of disability.
• You need to have sufficient work credits, typically 40 credits, 20 of which were earned in the last 10 years. Younger workers may qualify with fewer credits.
• You must be a U.S. citizen or a lawfully present noncitizen.

The combination of these rules helps ensure that SSDI and SSI payments are distributed to those who need them most based on disability, income, and work history.

Addressing your benefits, knowing when they’re coming, and keeping track of the maximum and average amounts will help you plan your finances better. SSDI recipients can expect to see their final September payment on the 25th, while SSI recipients will need to wait until October for their next check.

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