How SSDI has changed in the last 10 Years: Cap & COLA Increased Taxable Earnings

The amount of annual earnings subject to Social Security payroll taxes has been increasing to keep pace
with inflation and wage growth. For example, in 2025, the maximum taxable earnings limit rose to
$176,100. Additionally, Cost-of-Living Adjustments (COLA) continue to affect SSDI benefit levels, helping
to maintain beneficiaries’ purchasing power.