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WHAT IS THE AMOUNT OF MY SSDI BENEFIT?

Do you wonder what monthly amount your SSDI benefit will be? Do you wonder how you can calculate your benefit payment? There are answers to your questions.

If you are eligible for Social Security Disability Insurance (SSDI) benefit payments, then the amount you will receive each month depends on your average lifetime earnings.  Unlike Worker’s Compensation, your SSD payment is not based on a percentage of your disability. Likewise, it is also not based on how much money you have in the bank. Instead, your earnings are the key factor in how much money you will receive each month.

Remember, no matter what the amount of your SSDI benefits is, you must still be eligible for disability benefits to receive the money. In order to be eligible for disability benefits, you must have a severe disabling impairment that prevents you from working for more than 12 months. Find out more about how to apply for disability benefits here.

THE AVERAGE AMOUNT OF SSDI BENEFITS

Most people who receive SSDI get between $800 and $1,800 per month (the average for 2021 is $1,277). However, if you are receiving disability payments from other sources, your payment could be lower.

The maximum benefit you could receive in 2020 was $3,011 per month. The maximum benefit a worker can receive in disability payments in 2021 is $3148. Most people do not receive the maximum SSD payment. Instead, they receive something between $800 per month and $1800 per month, because most people have average earnings.

The amount of SSDI money you will receive from Social Security on a monthly basis is unique for every individual. This is due to the fact that the Social Security Administration (SSA) uses a complex weighted formula in order to calculate benefits for each person.

Social Security bases your retirement and disability benefit payment on the amount of income on which you’ve paid Social Security taxes. SSA calls this “covered earnings.” Your average covered earnings over a period of years is known as your average indexed monthly earnings (AIME). The amount of SSD does not vary by state.

A formula is applied to your AIME to calculate your primary insurance amount (PIA), which is the base of your monthly benefit. The formula consists of fixed percentages of different amounts of income. This adjusts each year. For example, in 2021, 90% of the first $996 of your AIME is added to your PIA, plus 32% of your AIME from $996 to $6,002, plus 15% of your AIME over $6,002. These amounts are added up to come up with your monthly benefit amount. If this seems confusing, that is because it is.

What you need to know is the more money you make when working, the more you monthly disability benefit amount will be. Also, if you do not return to work, your disability benefit will not change significantly over time. However, your SSD benefit will become your retirement benefit at full retirement age.

Be Aware That Other Income May Reduce Your SSDI Payment

If you receive other government benefits, you could see a reduction in your monthly SSDI benefit. For example, income sources that could affect your monthly SSD payment include:

  • Worker’s compensation benefits
  • Public disability benefits
  • Pension payments based on work not covered by Social Security. For example, if your past work was for the government.
  • Foreign government pensions

CALCULATE THE AMOUNT OF YOUR SSDI PAYMENT ONLINE

To see your entire covered earnings history, you can check your annual Social Security Statement. You can check your statement online at https://www.ssa.gov/myaccount. If you want to enter salary information yourself, rather than rely on your earnings record and Social Security’s estimate of your future earnings, you can do so. Just use the SSA’s online benefits calculator at https://www.ssa.gov/planners/calculators. You can also call your local Social Security office and a field representative will be able to help you estimate what your monthly benefit would be. It may take a long time to request help on the phone. We recommend you check your disability payment amount online.

MONTHLY SSI PAYMENTS ARE A DIFFERENT STORY

Do you wonder how SSA sets the amount of monthly SSI benefits? The answer is the government sets monthly amount of SSI benefits with the state you live in. Your SSI payments, unlike SSDI, are dependent on your income and assets. Additionally, your state can choose to add money to the benefit amount. The monthly maximum Federal amount of SSI for 2021 is $794 for an eligible individual. The SSI amount for 2021 for an eligible individual with an eligible spouse is $1,191. Your final monthly SSI amount may be more if your state has a high cost of living.

In general, monthly amounts for the next year are set by increasing the unrounded annual amounts for the current year by the COLA effective for January of the next year. Your state, like Utah or Nevada, may also contribute to raise the monthly SSI amount. If your state does give you more SSI monies, it is usually because the cost of living is higher in your state.

Possible Payment Reduction with SSI benefits

The monthly amount of SSI is reduced by subtracting monthly any countable income you may have. In the case of an eligible individual with an eligible spouse, the payable amount is divided equally between the two spouses.

The SSI benefit amount cannot change, unless your income or assets change. If you have a change in income, such as you stop receiving child support payments or you stop receiving welfare payments, then contact the SSA. It is possible that such changes could effect the amount of money you receive from SSI on a monthly basis.

FINDING A DISABILITY LAWYER WITH EXPERIENCESocial Security Attorneys at Cannon Disability Law

If you want legal representation at your disability hearing, hire Cannon Disability Law. You need to know how much money you will receive every month. You need to understand how SSD and SSI benefits work. Also, you need to know what are the most important issues in your disability case. That is why you hire a lawyer with the skills to help you. Find out more about the Cannon Disability Law representatives here.

If you don’t hire an attorney, there is a good chance you will not win your case. Don’t take that chance. Hire us, because we have the legal experience you need to win your case. At our SSD law office, we help our clients file their SSD and SSI applications. We also appeal all denials. If you need information about how to appeal an SSA denial, then read here.

Additionally, we request your hearing for you. After that, we represent you at the disability hearing. In the last 30 years, we have won over 20,000 disability hearings for our clients. If you contact us today, we can help you too. Call and ask us any questions you have about the amount your monthly SSDI benefit.

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