2025 SSDI & SSI Updates: What You Need to Know

In May 2025, the average monthly Social Security retirement benefit topped $2,000 for the first time in history—reaching $2,002. This milestone, driven by a 2.5% Cost-of-Living Adjustment (COLA) and recent legislative updates, reflects broader changes impacting many Americans.

While these adjustments are welcome news, understanding how they affect different types of benefits—such as SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income)—can be complex. At Green and Greenberg, our goal is to keep the public informed so individuals applying for benefits or considering a claim can make educated decisions.

Key 2025 Updates You Need to Know

1. Average Monthly Benefits Hit $2,002

2. COLA Increased 2.5% in 2025

In January, benefits across retirement, SSDI, and SSI categories were raised due to the annual COLA. This ensures benefits keep pace with inflation, offering a modest financial cushion for those who qualify.

3. Full Retirement Age Max Benefit Now $4,018

For claimants reaching full retirement age, the maximum monthly benefit is now $4,018, while those who delay until age 70 can receive up to $5,108.

For Those Exploring Disability Benefits

If you’re currently applying or planning to apply for disability benefits, these changes are worth noting:

• COLA Adjustments Apply to Disability Benefits: Just as with retirement, SSDI and SSI payments are indexed to reflect inflation.

• Eligibility Thresholds Adjust Annually: Federal benefit rates and income/resource limits for SSI are revised each year based on COLA increases.

• Timing Matters: Your earnings history and the timing of your claim can impact how much you may qualify to receive.

How Green and Greenberg Supports Applicants

We work closely with individuals seeking to apply for SSDI or SSI benefits. Our team helps clients:

• Understand how annual changes like COLA may impact their initial application

• Strategically prepare claims for maximum benefit eligibility

• Stay up to date with Social Security rules and program changes

• Navigate complex application stages—from initial filing to appeals

Considering Filing a Disability Claim?

Navigating the Social Security disability system can be overwhelming, especially with evolving rules and economic conditions. If you’re considering filing a claim, we can help guide you through the process from the start.

For reliable legal support and step-by-step guidance on SSDI or SSI applications, contact Green and Greenberg today.

Visit our Disability Blog for more resources and expert advice.