For millions of Americans with disabilities, Social Security Disability Insurance (SSDI) offers more than just financial relief—it’s a lifeline. If you’re wondering how to qualify for $433, $510, or $1,580 Social Security checks as early as May 10, 2025, you’re not alone.
These figures represent the average benefits paid to disabled workers, spouses, and children. And yes, they could show up in your bank account very soon—if you meet the right criteria.
This guide walks you through how SSDI works, who gets paid, what payment amounts to expect, and how to apply or appeal if needed.
What is SSDI?
SSDI is a federal benefit program managed by the Social Security Administration (SSA). It helps individuals who can’t work due to a severe medical condition. Unlike Supplemental Security Income (SSI), SSDI isn’t based on financial need—it’s earned through work credits.
To be eligible, you must:
- Have a disability that prevents you from performing any substantial work
- Have a condition expected to last at least one year or result in death
- Accumulate enough work credits (usually 40 total, with 20 in the last 10 years)
Spouses and children may also receive benefits, known as auxiliary benefits. This can add much-needed support to households already facing income challenges due to a disability.
Who Gets Paid?
SSDI payments are sent based on when your benefits started and your date of birth.
To receive your payment on May 10, 2025, you must:
- Have started SSDI benefits after April 30, 1997
- Have a birthday between the 21st and 31st of any month
If both apply, your monthly benefit will be paid on the fourth Wednesday of the month—May 10 in this case. Payments arrive via direct deposit or paper check, depending on your SSA account preference.
Note: SSI recipients are not included in this payment cycle.
SSDI Payment Amounts
Here’s what the average recipient might expect in 2025:
| Recipient Type | Average Monthly Payment |
|---|---|
| Disabled Worker | $1,580 |
| Spouse | $433 |
| Child | $510 |
$1,580 – Disabled Worker
This is the average benefit for someone who qualifies on their own work history. Higher earners may receive up to $3,822 monthly, depending on their average indexed monthly earnings (AIME). You can estimate your benefit using the SSA’s online tool.
$433 – Spouse
A spouse can qualify if they are:
- Age 62 or older
- Caring for a child under 16 or with a disability
Spouses typically receive up to 50% of the disabled worker’s benefit, but this may be reduced if taken before full retirement age.
$510 – Child
Children may receive up to 50% of the parent’s benefit if they:
- Are under 18 (or 19 if still in school)
- Were disabled before age 22 and remain dependent
The SSA applies a family maximum to limit the total benefit paid to a family based on one record.
How to Qualify for SSDI
To apply for SSDI, you need work credits. In 2025, one credit equals $1,730 in earnings. You can earn four credits per year.
- Most applicants need 40 credits
- Younger people may qualify with fewer—for example, a 28-year-old needs about 16 credits
Confirm Medical Eligibility
You must have a qualifying disability:
- It must last 12 months or longer
- It must prevent all work
- It should match or be equivalent to a listing in the SSA’s Blue Book
Support your case with detailed medical records, doctor’s notes, test results, and treatment history.
Apply for Benefits
You can apply:
- Online at ssa.gov
- By calling 1-800-772-1213
- At a local SSA office (appointment recommended)
Have these documents ready:
- Social Security number and birth certificate
- Medical records and physician contact info
- Work history and W-2 forms
- List of medications
Wait for a Decision
Most SSDI claims take 3 to 6 months to process. If your application is denied, you have 60 days to appeal. The appeals process includes reconsideration, an ALJ hearing, a review by the Appeals Council, and finally, a federal court case if needed.
Track Payments
Use your My Social Security account to view status and update preferences. Payments are based on your birthday:
| Birthday Range | Payment Day |
|---|---|
| 1st–10th | Second Wednesday |
| 11th–20th | Third Wednesday |
| 21st–31st | Fourth Wednesday (May 10) |
Set up direct deposit to avoid delays.
SSDI vs. SSI
| Feature | SSDI | SSI |
|---|---|---|
| Eligibility | Work history + disability | Financial need + disability |
| Funding | Payroll taxes | General tax revenue |
| Avg Payment | $1,580 | $943 (individual) |
| May 10 Pay Date | Yes, if eligible | No |
You may qualify for both SSDI and SSI if your work history is limited and your income is low.
FAQs
Who gets paid SSDI on May 10, 2025?
Those with post-April 1997 claims and birthdays between the 21st–31st.
How much is the average SSDI payment?
$1,580 for disabled workers in 2025.
Can spouses and children get SSDI?
Yes, they may receive $433 and $510 on average, respectively.
How do I apply for SSDI?
Apply online, by phone, or in person with full documentation.
What if SSDI is denied?
You have 60 days to appeal and request reconsideration or a hearing.
