How Much Does Disability Benefits Pay?

Submitted by Eric on Mon, 09/26/2022 - 16:25

If you have a medical condition that keeps you from working and earning a living, you may be eligible for Social Security Disability benefits. However, you must meet specific medical criteria as well as other requirements.

Those monthly disability benefits can be helpful to your income, and help you cover basic living expenses. Here is a closer look at how much you could receive in monthly disability benefits.

You may be eligible to receive $3,345 each month. Fill out this Free Disability Evaluation today to find out more! 

How Much You Can Receive In Disability Benefits?

As of the 2022 totals, the most you can receive from Social Security Disability Insurance (SSDI) is $3,450. The average SSDI payment is about $1,200, but there are several factors that come into play when determining how much you will receive in monthly benefits.

You can visit the Social Security website's to get an estimate of how much you will be receiving in monthly disability benefits.

What Is the SSDI Average Payment?

In 2019, the SSA reported the average SSDI payment was $1,234. This payment will vary based on the cost of living, your medical condition & expenses, etc. so you may receive less or more than the average SSDI payment.

In 2022, $3,450 was the most you can receive from Social Security Disability Insurance (SSDI) but there are a few factors which determine how much you could receive in disability benefits each month.

The SSA evaluates your lifetime average earnings before your medical condition prevented you from working. Your benefit amount is calculated by using your covered earnings which are what you earned when employed where your employer made deductions for FICA or Social Security.

The SSA bases your monthly payment for disability benefits on your average covered earnings over a period of time. This is called average indexed monthly earnings (AIME). The SSA uses these amounts in a formula which calculates your primary insurance amount (PIA).

The SSDI you receive may be reduced if you are receiving any other government benefits, including worker’s compensation, public disability benefits, or a pension that is based on your employment that is not included in Social Security, such as one you are receiving from a foreign government.

Despite your disability, if you are still able to work and you earn enough to meet the substantial gainful activity (SGA) criteria you may be denied disability benefits.

How Does The SSA Determine How Much You Will Receive In Disability Benefits?

Your payment is determined by your lifetime average earnings before you become unable to work. Your benefit amount is calculated through your covered earnings. Covered earnings are what you earned at jobs where your employer made deductions for FICA or Social Security.

The SSA base your monthly disability payment on your average covered earnings over a time, which is called average indexed monthly earnings (AIME).

These amounts are used in a formula to determine your primary insurance amount (PIA). There is an online benefits calculator that you could use to determine how much your monthly benefits would be if you became disabled.

If you do not qualify for SSDI because of a lack of credits or a minimal work history, you may be eligible for Supplemental Security Income (SSI).

SSI is needs-based, so you must have minimal resources and limited income. As of 2021, the maximum SSI payment to an individual is $841 and $1,261 for a couple.

A disability representative can explain the financial criteria for SSI, and help you with the deeming process, which determines how much and what income counts toward your SSI limits and eligibility.

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What Can Impact How Much I Receive?

Your SSDI could be reduced if you receive other government benefits, such as worker’s compensation, public disability benefits, or a pension based on employment that is not included in Social Security, such as a foreign government.

 Also, if you can work and earn enough to meet the substantial gainful activity (SGA) criteria, your claim will not be approved, or your disability benefits could stop. As of 2022, for a blind individual SGA is $2,260 per month or for a disabled individual who is not blind it is $1,350.

Get A Case Evaluation

If you are unable to work because of a medical condition, you should start your disability claim. You should speak with a disability attorney.

A lawyer may be able to help you determine how much you would receive in monthly disability benefits. Complete the Free Case Evaluation Form to share your details with the office of a disability attorney.

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