Average Indexed Monthly Earnings
Your average indexed monthly earnings are used by Social Security to calculate the amount of your Social Security Disability benefits. To calculate your average indexed monthly earnings divide the sum of your 35 highest years of indexed earnings (up to age 60) by the total by the number of months worked in those years. More specifically, to determine your average indexed monthly earnings, Social Security averages your earning from the year you turned 21 to the year you became disabled.