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What Is Your Monthly Disability Payment?

The Social Security Disability payment benefit amount is different for every applicant. Because, SSD benefits are based upon the amount you have worked during your lifetime.  Everyone has a different work history. Each person earns a different amount of money during their lifetime.

Therefore, everyone’s monthly disability payment is unique. If you have earned very little during your working years, you will receive a lower benefit amount. Conversely, if you have been a high earner, you will receive more money per month.

In 2017, the average SSD benefit amount is $1,171 per month. For those who have been high earners, it is possible for them to receive up to $2,687 in monthly benefits. In 2022, the average SSD benefit amount is higher.

For example, in 2022, the average SSDI payment for an individual is $1,358, but almost two-thirds of SSDI recipients receive less than that. And only 10% of SSDI recipients receive $2,000 per month or more. The 2022 average monthly benefit for an SSDI recipient who has a family, a spouse and children, is $2,383.

disability payment social security disability application form


In order to calculate your monthly disability benefit, the Social Security Administration uses your Average Indexed Monthly Earnings or AIME. SSA calculates the AIME by using your highest indexed earnings during 35 working years. They add them together and then divide them by the total number of months for those years. This average is rounded down to determine your AIME.

If you want to see an example of how the SSA calculates an AIME go to the SSA website.

The SSA uses the AIME to determine your Primary Insurance Amount (PIA), which is the base amount of your benefits, and typically, the amount of your monthly benefit.


Three fixed percentages of your AIME are used to determine your PIA. The dollar amounts that result from the calculation are called “bend points.” Bend points are changed on a yearly basis to reflect the national average wage index. The PIA for a disabled individual who became eligible for SSD in 2017 is the sum  of the following:

  1. 90% of the first $885 of average indexed monthly earnings
  2. 32% of the average indexed monthly earnings over $885 through $5,336, and
  3. 15% of the average indexed monthly earnings over $5,336.

If this sounds complicated, that is because it is. If you are confused by this math and would like an easier way to figure out your monthly disability benefit amount, then go to . There, you can make a secure login and check your benefit statement. It will tell you exactly how much money you will receive in monthly disability benefits in 2022.


At Cannon Disability Law, we are experts in Social Security Disability law. We have over 30 years experience in winning SSD and SSI benefits for our clients. Our record is strong. It shows that we have won over 20,000 disability cases in the last 30 years.

When you experience a disability, it stops your from working. You no longer have a monthly income to support your family. We accept all our cases on a contingency basis. This means, if you don’t win, you don’t pay an attorney fee.

You can contact us for free and we will tell you over the phone if we can help. We are the best disability attorneys. Our clients live in Salt Lake City, Utah, Las Vegas and Henderson, Nevada, Boise and Pocatello, Idaho, Washington, and California. Contact Cannon Disability Law today. Put our experience to work for you.


To learn more about us, click on one of the links below.

We help you file your application for benefits and fill out confusing disability forms. You can file online at the Social Security website. In addition, proving disability to the judge is our speciality.

In the past 30 years, our attorneys have won thousands of cases at the hearing level. We also win cases at the Appeals Council and in Federal District Court. We work with our clients as part of a team effort. Therefore, we are successful. Look at our record, we have won over 20,000 Social Security Disability and SSI cases. Better yet, over our 30 years in business, we have won over $100 million in past-due and ongoing disability benefits for our clients.

As SSD attorneys, we have over 60 combined years of experience representing client’s with disabilities. Contact Cannon Disability Law to put our experience to work for you. Our attorneys and our staff work hard to provide every client with excellent representation.

As your legal team, our goal is to ease the process of obtaining disability payments. We will help you at each level of appeal. Also, we will work with you to explain the medical evidence you need to prove your disability to the SSA.

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