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Receive Payment Up to $3,627: Social Security Disability Benefits

Receive Payment Up to $3,627: Social Security Disability Benefits
Disability beneficiaries from Social Securiry Administration will arive shorlty. (Photo: CANVA)

Discover the Social Security Disability Insurance benefit amount. You can see how Social Security figures out your SSDI benefits below.

Your “covered earnings,” or the wages for which you paid Social Security taxes, are used to determine how much of an SSDI (Social Security disability insurance) payout you would receive.

Receive Payment Up to $3,627: Social Security Disability Benefits

SSDI beneficiary are getting new check in weeks. (Photo: AdobeStock)

Describe Social Security Disability Insurance

The government insurance program known as Social Security Disability Insurance (SSDI) offers benefits to qualifying workers who are unable to work.

To be eligible, you must be disabled as defined by the Social Security Administration and be covered by the program by having paid FICA or SECA taxes for a number of years. On the other hand, SSI benefits aren’t based on how much someone earned before.

If you received disability payments from other sources, like workers’ compensation, your SSDI benefits may go down. However, your regular income won’t affect how much you get from SSDI.

What Does Social Security Disability Insurance Pay Out?

The Social Security Administration (SSA) calculates your SSDI payments using your Average Indexed Monthly Earnings (AIME) and Primary Insurance Amount (PIA). Since Social Security can provide you with an accurate estimate, most people won’t be interested in attempting to calculate their benefits on their own due to the formula’s complexity.

The typical Social Security Disability Insurance benefit

The average SSDI payment for 2023 is $1,483, however those whose income was relatively high in former years can receive up to $3,627.

This information is provided to give you an idea of how much Social Security Disability Insurance pays.

Social Security Disability Insurance payments are not state-specific; whatsoever state you live in, your Social Security Disability Insurance payments will remain the same.

Social Security Disability benefit average in 2023

Benefits from Social Security for disabilities can be as high as $3,627 per month.

Determine Social Security Disability Insurance Benefits

Here is how Social Security determines your AIME and PIA if you’re curious.

Monthly Indexed Average Earnings

Your AIME will first be determined by the SSA. The SSA will index your lifetime earnings to account for the rise in average salaries that occurred during the years you worked in order to achieve this. To ensure that your future payments reflect this increase, this is done.

Up to 35 of your working years will be used by the SSA in the calculation. The SSA adds up the years with the greatest indexed earnings, divides them by the total number of months for that years, and then averages the results.

To determine your AIME, the average is then rounded downward.

On the SSA website, you can get a sample of how the agency determines an AIME.

Principal Insurance Sum

Your benefits’ base amount is known as your Primary Insurance Amount (PIA).

Your PIA is calculated by the SSA using the sum of three predetermined percentages of your AIME. “Bend points” are the dollar numbers that emerge from the calculation. Bend points are adjusted annually to reflect the index of the average wage across the country.

When someone first qualifies for SSDI benefits in 2023, their PIA will be the total of the following:

  1. 90% of the first $1,115 in average indexed monthly earnings, 32% of the next $1,115 through $6,721 in average indexed monthly wages, and 15% of the next $6,721 in average indexed monthly earnings.
  2. It will be rounded to the next lowest multiple of $0.10 if the sum of the percentages is not a multiple of that amount.
  3. Go over your social security statement.
  4. Checking your benefits statement online at after logging in is the simplest approach to determine SSDI compensation. If you become disabled this year, it will detail how much SSDI you would receive.

Amount of Backpay for Disability

Most disability applicants are qualified for back benefits payments by the time they get a Social Security approval letter.

Depending on when you submitted your SSDI application and the date the SSA determined you were disabled, you will get a certain amount of back payments (called your “established onset date,” or EOD.)

Your monthly SSDI benefit amount determines how much of a total SSDI backpay you’ll get.

If you were handicapped that long ago, you can also get payments retroactively for up to 12 months for the year before your application date (also known as your “protective filing date,” which is detailed below). Benefits for the months prior to your EOD are not available (again, your disability onset date).

Waiting Time of Five Months

A five-month waiting period, beginning at the date your handicap first became apparent, is imposed after benefit approval.

This indicates that you need to have an EOD of at least 17 months prior to your application date in order to earn the maximum amount of backpay

Date of Protective Filing

By notifying the SSA in writing that you intend to apply for disability benefits, you can set a protected filing date (PFD). Even if you don’t finish an online application, a PFD is still created when you start one. See our post on back payments for more information if you’re interested.

Other Disability Income Offsets

Your SSDI benefit amount may be reduced by some disability payments, such as settlements from workers’ compensation claims. Offsets are what they are. However, the majority of additional disability benefits, such as those paid by private insurance or to veterans, have no impact on the amount of your SSDI compensation.

Disability Benefits Cost of Living Adjustment (COLA)

Every year, Social Security benefits are recalculated for everyone in order to reflect the rising cost of living. The yearly SSDI COLA amount, which is decided by increases in the Consumer Price Index, determines how much of an increase will occur (CPI).

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