Ssdi how much do you get

For instance, let's look at age 55, the most common age disabilities start. The benefits pay chart here shows you the ranges based on income.

The exact amount of money people get for SSDI each month is unique for every individual. Doing the math yourself is difficult, but here's how the formula works. Fortunately, there are easier ways to find out how much in Social Security disability you'll get, which we cover in the next section. Social Security bases your retirement and disability benefits on the amount of income on which you've paid Social Security taxes—called "covered earnings. Bend points. The SSDI formula uses fixed percentages of different amounts of income.

These percentages, called "bend points," are adjusted each year. In , here are the bend points and how they come together:. You can find your statement online at www. Note that Social Security only sends out printed statements to people over 60 who aren't receiving benefits and don't have an online account at Social Security's website.

If you don't receive benefits yet, your Social Security Statement will show you what your SSDI payment will be if you get approved for disability benefits this year. It also shows what your retirement benefit would be at age 62, 67, and The formula Social Security uses is quite complicated, and most people won't be interested in trying to calculate their benefits on their own, especially because Social Security can give you a good estimate.

To do this, the SSA will adjust, or index, your lifetime earnings to account for the increase in general wages that happened during the years you worked. This is done to make sure that the payments you get in the future mirror this rise. The SSA will use up to 35 of your working years in the calculation.

The SSA takes the years with the highest indexed earnings, adds them together, and divides them by the total number of months for those years. The average is then rounded down to reach your AIME. The dollar amounts that result from the calculation are called "bend points. The easiest way to calculate SSDI benefits is to go to www. It will tell you exactly how much SSDI you will get if you become disabled this year.

By the time they get an approval letter from Social Security, most disability applicants are eligible for back payments of benefits. The number of months of back payments you'll receive will depend on when you applied for SSDI and the date the SSA decided you became disabled called your "established onset date," or EOD.

In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date or your "protective filing date," discussed below —if you were disabled that long ago. You can't get benefits for the months before your EOD again, your disability onset date. Once you are approved for benefits, there is a five-month waiting period, starting at your disability onset date, before you can be paid benefits. This means that, to receive the maximum amount of backpay going back for the 12 months before your application date , you must have an EOD of at least 17 months prior to your application date or your protective filing date.

The one exception to this rule is for ALS; claimants who have been diagnosed with ALS, or Lou Gehrig's disease, do not have a five-month waiting period. You can establish a protective filing date PFD by making a written statement to the SSA that you intend on filing for disability benefits. A PFD is also established when you begin an online application, even if you don't complete it. Share with facebook. Share with twitter.

Share with linkedin. Share using email. Keep in mind SSDI benefits can be reduced if you are collecting other public disability payments, such as state disability benefits or workers' compensation. There is no reduction for private disability benefits, such as payouts from commercial insurance. If you are still getting SSDI when you reach full retirement age, your disability benefit converts to a retirement benefit , usually at the same amount.

Published September 21, What is the family maximum benefit for SSDI? How long does it take for Social Security disability benefits to start? Family Caregiving. Leaving AARP. Got it! Please don't show me this again for 90 days. Cancel Continue.