For Social Security Disability Insurance (SSDI) recipients, September and October hold important payment dates.
If you haven’t received your SSDI payment yet in September, don’t worry—there are still two upcoming paydays. Let’s take a closer look at the remaining SSDI payment dates for September and what to expect in October.
September SSDI Payments
There are two remaining payment dates for SSDI recipients in September:
- September 18, 2024: This payment will be sent to recipients whose birthdays fall between the 11th and 20th of any month.
- September 25, 2024: This payment is for recipients born between the 21st and the 31st.
If you didn’t receive your SSDI payment earlier in the month on September 3 or September 11, then these are your final opportunities to get your September benefit.
SSDI payments can either be sent by check or direct deposit, but most payments are made via direct deposit for faster processing.
Social Security expects payments to arrive on time, so if you experience delays, check with your bank before contacting the Social Security Administration (SSA).
The average SSDI payment is currently about $1,539, though higher earners could receive as much as $3,822 depending on their work history.
Your payment amount is based on your earnings record, so if you had a higher salary before becoming disabled, your SSDI payment could be larger.
October SSDI Payments
The SSDI payment schedule for October follows a similar structure, with paydays based on recipients’ birth dates. Here’s the schedule for the upcoming month:
- October 1, 2024: For recipients of Supplemental Security Income (SSI), which is a separate program from SSDI. Some SSDI recipients may also qualify for SSI benefits.
- October 3, 2024: This payment is for individuals who started receiving SSDI benefits before May 1997. If you are also receiving SSI, your SSDI payment will arrive on this date as well.
- October 9, 2024: For SSDI recipients born between the 1st and 10th of any month.
- October 16, 2024: For SSDI recipients born between the 11th and 20th of any month.
- October 23, 2024: For SSDI recipients born between the 21st and 31st of any month.
For those receiving SSDI payments only (not SSI), the October payments will be scheduled according to these Wednesdays. The average SSDI payment in October will likely remain similar to September, around $1,539.
If your payment is insufficient to meet your basic needs, you may qualify for other assistance programs, such as Supplemental Security Income (SSI) or the Supplemental Nutrition Assistance Program (SNAP).
How SSDI Payments Are Calculated
The amount you receive from SSDI is primarily based on your lifetime earnings before your disability.
The SSA calculates your payment based on the average indexed monthly earnings (AIME) and applies a formula to determine your Primary Insurance Amount (PIA).
The higher your earnings before becoming disabled, the larger your SSDI payment will be, though the maximum amount for 2024 is $3,822.
Keep in mind that SSDI benefits are designed to replace a portion of your lost income due to a disability. If you have additional financial needs, SSI may provide further support if you meet the eligibility requirements for income and assets.
What To Do If You Don’t Receive Your Payment
If you haven’t received your SSDI payment on the scheduled date, the first step is to contact your bank to check if there were any delays on their end. If the issue persists, you can reach out to the SSA for assistance.
You can call the SSA at 1-800-772-1213 or visit a local SSA office. Be sure to have your Social Security number and claim details ready when calling.
If you’ve recently moved or changed your bank account, it’s essential to update your contact and direct deposit information with the SSA. You can do this through your my Social Security account online to ensure your payments are not delayed.
SSI and SNAP Benefits
For SSDI recipients who find their monthly payments insufficient to cover basic expenses, applying for additional support programs like SSI or SNAP may help.
SSI is available for individuals with limited income and resources, while SNAP can provide financial assistance for food.
These programs can be essential for beneficiaries who are struggling to make ends meet.
If you think you might qualify for these programs, you can contact the SSA or visit your local Department of Social Services to learn more about eligibility and how to apply.
In summary, the SSDI payment schedule for September and October follows a clear pattern based on birthdates.
With the average SSDI payment around $1,539, recipients should plan accordingly for their payments and explore additional benefits if needed.
FAQs
When will I receive my SSDI payment in September?
Payments will be made on September 18 for birthdays between the 11th and 20th, and on September 25 for those born between the 21st and 31st.
What is the October SSDI payment schedule?
October payments will be made on the 3rd, 9th, 16th, and 23rd based on birthdates.
How much can I expect from my SSDI payment?
The average payment is $1,539, but high earners could receive up to $3,822.
What should I do if I don’t receive my payment?
First, contact your bank to check for delays. If unresolved, reach out to the SSA.
Can I apply for SSI or SNAP if my SSDI payment isn’t enough?
Yes, SSI and SNAP benefits are available to those with limited income and resources.
