Benefits Calculator

Benefits Calculator

The Social Security Administration provides calculators to help you figure the amount of disability benefit you qualify for. You can use their disability benefits calculators to estimate your potential benefit amounts. You can use different retirement dates, or different levels of potential future earnings. These calculators show your retirement benefits as well as disability and survivor benefits available to you if you were to suffer a disability.

Choose the Right Benefit Calculator

The Social Security Administration provides the Quick and Online benefit calculators which can be used directly over the internet. Benefit Calculators for Macintosh users are available, such as the Online Calculator.

You can download the macintosh Detailed Benefits Calculator directly from the social security website.

The SSA also offers a detailed benefits calculator you can download from the Social Security website. The Detailed Calculator has other important links, such as:

Keep in mind that Social Security’s detailed calculator does not take into account reductions to SSDI benefits.

Calculating SSDI With Social Security’s Detailed Calculator

If you have eligibility for SSDI benefits, the amount you receive depends on your average lifetime earnings after your disability occurred. Your benefits aren’t based on how severe your disability is or whether you have too much income.

Your earnings must be covered under the Social Security program in order to be included in your benefits. Covered earnings are wages that you paid towards Social Security taxes, including FICA.

The SSA uses the average covered earnings over a few years to calculate your payment, known as average indexed monthly earnings or AIME. They then use a formula to calculate your primary insurance amount, or PIA, which is your actual benefit amount per month. 

Social Security’s detailed calculator helps calculate your benefits based on this information. If you need the history of your covered earnings, check your Social Security statement, which is available online if you set up a Social Security account on the SSA’s website.

Factors That Might Reduce Your Disability Payment

There are several factors that might decrease your SSDI benefits that an online Social Security disability estimate calculator might not include in their calculation. 

For example, if you receive other public disability benefits like workers’ compensation, it may reduce your SSDI payment. In addition, any benefits that aren’t job-related but covered by the local, state, or federal government like military disability benefits, retirement benefits, or temporary disability benefits might reduce your SSDI payment. 

The combined total of your SSDI benefits and the benefits listed above must not exceed 80% of your average earnings before you became disabled. If the total of your SSDI and public benefits is more than 80%, most states deduct the excess amount from your SSDI benefits. Some states, however, might deduct it from one of your public benefits. Most Social Security disability estimate calculators provide estimates for SSDI payments without taking this information into account.

Obtaining Your Social Security Records

You might need to obtain your Social Security Statement in order to use the Social Security Disability Benefits Calculator. If you already have your Social Security Statement with your earnings you can begin using the disability benefit calculator.

Need Help Estimating Benefits? Contact GAR Disability Advocates Today

Estimating your disability benefits can be very difficult, and disability calculator estimates can end up being very different from the actual benefits you receive. It’s important to note the benefit calculators are not official estimates, they simply use the amounts you enter, and therefore are only as accurate as the information you enter.

If you need a benefit estimate on someone else’s record, such as your spouse or parent, call one of our experienced disability advocates at 201-561-7731.

Are You Eligible For Benefits?