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Disability Payment and How to Determine Maximum SSDI Benefits

disability payment

If you’re eligible for Social Security Disability Insurance (SSDI or SSD) benefits, the amount you receive each month will be based on your average lifetime earnings before your disability began. It’s not based on how intense your handicap is or how much money you have. Most SSDI recipients receive at between $700 and $1,700 worth of benefits per month (the average for 2017 is $1,171). But if you’re receiving a disability payment from other sources, your payment could be lowered.

Long-term disability (LTD) benefits pay a percentage of your salary or wages and can be increased by cost-of-living adjustments (COLAs) and/or decreased by offsets of different benefits, earnings from work, and taxes.

How to Determine How Much Money You Will Receive from Social Security Disability

Each year, millions of Americans suffer from a disabling illness. It is not unusual for a handicap to interfere with an individual’s capacity to work and earn a living. Because of this, these handicapped individuals rely on Social Security Disability benefits to make ends meet. Several men and women who apply for Social Security Disability benefits find themselves unsure on how much money they’ll earn monthly from the Social Security Administration.

If you’re approved for Social Security Disability benefits, how much are you going to get paid each month as soon as your check arrives? Regrettably, the answer to this question is not always cut and dry. There are, however, ways which make it possible to estimate how much you’ll receive from Social Security Administration. If you are wondering just how much money you’re qualified to receive Social Security Disability benefits, the following advice can help you determine what your monthly disability benefit level might be.

The Average Disability Benefit

Although it’s not possible to tell precisely how much you can get in Social Security Disability payment until you’ve been approved by the Social Security Administration, knowing how much Social Security Disability payment could be awarded to an ordinary beneficiary is always helpful.

As of 2008, the average SSDI disability payment for those who qualify for Social Security Disability benefits was $1,063.00 a month. The typical SSI benefit was $439 per month. The sum you get if you are qualified for disability benefits could be lower or higher than these amounts based on your previous earnings, your present earnings, and the number of dependents residing in your household.

Since the SSI program is a needs-based program, some Social Security Disability recipients can qualify for both SSI and SSDI benefits based on their household income and the number of dependents living in the home.

disability paymentHow Much Can You Receive in SSI Disability?

Everybody on SSI disability payment (Supplemental Security Income) is qualified at a base $735 per month (as of 2017). However, your real monthly SSI disability payment will depend if you have countable income, if you’re married, and what State you reside in.

How Much Can SSI Pay?

While SSI is a federal program (administered by the Social Security Administration), and the federal government pays a typical base rate of $735 a month, many SSI recipients get less or more than the national benefit rate. For starters, the federal benefit rate for couples is $1,103, which you will get if you are married and your partner qualifies for SSI benefits. Additionally, the federal rate amount frequently changes as the cost of living raises.

But above all, your monthly payment will depend on how much money you or your household earns or gets and how much your own state supplemental payment (SSP) pays, even if any.

Calculating Your SSI Disability Payment

Here is a good illustration of the way the SSA takes into consideration your earnings in calculating your SSI disability payment:

Maria earns $315 per month, before taxes. Since the SSA will not subtract the first $20 of any earnings a month out of the SSI payment, or the first $65 of earnings, this leaves Maria’s earnings at $230. The SSA will not subtract half of your earnings against the SSI payment, or $115 (230/2) from Maria’s case. So, the SSA will subtract just $115 of Maria’s $315 earnings out of her SSI payment, therefore her monthly repayment will be $620.


While a couple States believe that Social Security Administration (SSA) benefits should be given if an applicant is severely disabled, many states carefully screen applicants before they are awarded benefits. When an applicant’s illness is not in the SSA pre-approved list qualified to the Compassionate Allowances Program, the SSA determines if the applicant can perform work in a previous occupation he or she once held. If that’s the case, the next step is to find out the applicant can learn a new job. The SSA also considers the candidate’s age, education, abilities and medical condition. Furthermore, the disability must be anticipated to last a minimum of one year or cause death.

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