1. Cost-of-Living Adjustments (COLA)

The most common reason for an increase in SSDI payments is the annual Cost-of-Living Adjustment (COLA).

• Each year, the SSA evaluates inflation using the Consumer Price Index (CPI-W).
• If prices have risen, your benefits increase automatically to maintain your purchasing power.

For example:

• In 2024, SSDI benefits increased by 3.2%.
• Adjustments for 2025 will depend on current inflation trends.

You do not need to apply for COLA — it is automatically added to your monthly payments.

2. Family or Dependent Benefits

Your SSDI payment may also increase if you have eligible family members who qualify for auxiliary benefits, such as:

• Spouses (age 62+ or caring for a child under 16)
• Children under 18 (or 19 if still in high school)
• Disabled adult children

These benefits can raise your total household SSDI income, sometimes up to 150–180% of your individual benefit.

3. Changes in Your Work Record

If you worked additional years before becoming disabled, the SSA might recalculate your Average Indexed Monthly Earnings (AIME).

• Higher earnings in your work history can result in a higher SSDI benefit.
• Retroactive adjustments may also occur if new earnings records are included after approval.

4. Retroactive Benefits (Back Pay)

If your SSDI claim took time to process, you may receive back pay for the months between your disability onset date and your approval date.

• Back pay can be a significant one-time increase.
• It does not increase your ongoing monthly benefit, but it ensures you receive the full amount you were owed.

5. Medicare Cost Adjustments

After 24 months on SSDI, you qualify for Medicare coverage.

• Changes in Medicare Part B premiums can affect your net benefit.
• When COLA increases exceed premium hikes, your take-home SSDI payment effectively rises.

6. Continuing Disability Reviews

The SSA may periodically review your case through a Continuing Disability Review (CDR).

• If your medical condition worsens or your family situation changes, the SSA may adjust your benefits upward.
• Keeping your records current helps ensure any increase is reflected promptly.

7. Supplementary Programs

Oregon does not provide state-funded SSDI increases, but combining SSDI with other programs like Supplemental Security Income (SSI) or Medicaid can improve overall financial stability.