According to the Social Security Administration, the average monthly payout for a disabled worker receiving Social Security Disability Insurance (SSDI) in 2019 was $1,258. However, the monthly payment for applicants varies widely depending on average lifetime earnings.

So, you might be wondering, “how much disability will I get?”

Ultimately, the amount of disability you qualify for depends on how much money you make.

How the Social Security Administration Evaluates Your Application

When the Social Security Administration reviews your application for SSDI benefits, they look for evidence that your disability prevents you from working and earning a living. As of 2020, if you make more than $1,260 per month, you cannot qualify for benefits.

If your income falls below income limits, your approval depends on the following:

  • The seriousness of your condition;
  • Whether or not the SSA lists your condition as disabling;
  • Your ability to do the same work you were doing before the disability, and
  • If you have transferable skills that qualify you for another job.

In addition, the SSA expects your condition to last more than a year or result in early death.

Calculating Social Security Disability

How much disability pays you depends on a variety of factors. The SSA uses a weighted formula to determine benefit amounts for each applicant, up to a maximum of $3,011.

The amount you receive depends on the amount of income you’ve paid towards social security taxes, known as covered earnings. The SSA takes the average of your covered earnings over your lifetime, otherwise known as average indexed monthly earnings (AIME), and applies their formula to calculate your primary insurance amount (PIA). Your PIA is the base figure for your benefit amount.

Primary Insurance Amount

The SSA uses three percentages from your AIME to figure out your PIA. When someone becomes eligible for SSDI, the SSA determines PIA based on the sum of the following:

  • 90% of the first $960 of AIME;
  • 32% of AIME over $960 but below $5,785; and
  • 15% of AIME over $5,785.

To estimate your earnings, you will need access to your covered earnings history, which is on your Social Security Statement. In order to get your statement, go to the SSA’s website, and create an account. Afterward, use the SSA’s online benefits calculator to estimate your potential benefits.

How Much Does Disability Pay If You Have Other Disability Insurance Benefits?

In some instances, having other disability benefits may reduce the amount of your social security disability payment.

While private disability insurance doesn’t affect your SSDI benefits amount, other government-regulated disability benefits like workers’ compensation or temporary state disability might lower your benefits payment. However, supplemental security income (SSI) and VA benefits don’t affect your SSDI benefit amount.

When do Disability Payments Begin?

When the SSA approves your benefits, there is a six month mandatory waiting period before you receive payments. In some cases, you might have to pay taxes on the benefits you receive.

Still Wondering How Much Disability You Will Get? Contact One of Our Disability Advocates Today

When considering disability benefits, it may be difficult to determine how much you qualify for. At GAR Disability Advocates, we understand the frustration that applicants experience when applying for social security disability benefits, especially if they can’t work anymore.

If you need help applying for SSDI or SSI, consider hiring a disability advocate. Our advocates know the Social Security’s application process inside and out, from filing the initial claim to representing clients at disability hearings. We manage your case start to finish and make sure you have a strong application. Most importantly, we work on a contingency-fee-basis, which means you owe us nothing unless we get your benefits approved.

If you would like to apply for disability benefits or want to know how much disability you will get, give one of our specialists a call today at 201-561-7731 or fill out our online form for a free evaluation.