If you’re receiving or considering applying for Social Security Disability Insurance (SSDI), one of the first questions you’re likely to ask is: how much will I receive each month?
It’s a smart question—and one that deserves a clear answer. Unfortunately, like many parts of the Social Security system, the answer depends on your individual work and earnings history. But here’s what you need to know to get a solid estimate—and to understand how this benefit fits into your financial planning moving forward.
How SSDI Benefits Are Calculated
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SSDI isn’t based on how severe your disability is or how much financial need you have. Instead, your monthly disability payment is based on your average lifetime earnings before you became disabled. Specifically, the Social Security Administration uses your “average indexed monthly earnings” (AIME) to determine your “primary insurance amount” (PIA)—which is essentially your monthly benefit.
In plain terms, the more you paid into the Social Security system through payroll taxes during your working years, the higher your benefit is likely to be.
You can check your estimated benefit amount by creating a free account at www.ssa.gov/myaccount. This tool allows you to see your earnings history and get personalized estimates for disability, retirement, and survivors benefits.
What About Other Benefits?
In some cases, your family members may also qualify for benefits based on your record. For example, your spouse or children may receive a portion of your benefit, which could increase your household’s total monthly income.
Also, keep in mind that once you’ve been on SSDI for 24 months, you become eligible for Medicare, even if you’re under age 65. This can significantly reduce your healthcare expenses—a major concern for many people living on a fixed income.
Why It Matters After Your Case Is Won
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Even if we’ve already helped you win your claim, understanding your benefit amount is critical for long-term planning. Your monthly SSDI check often becomes a core part of your financial stability. Knowing what to expect—and how changes in your income, marital status, or living situation could affect it—is key.
And while Social Security doesn’t typically increase benefits midstream, it does offer annual cost-of-living adjustments (COLAs). For those on a fixed income, these small increases can make a meaningful difference.
Need Help Navigating Next Steps?
At our firm, we don’t just win disability claims—we support our clients long after the decision is made. Whether you’re trying to protect your benefits, qualify for additional programs like Medicaid, or you’re starting to think about estate planning, we’re here to help.
We’re also expanding into elder law, which means we can now help with wills, powers of attorney, and Medicaid planning for long-term care. If you or a loved one needs guidance, we’re just a phone call away.
Call us at 800-562-9830
Or contact us online: DisabilityDenials.com
