Monthly Disability Benefits | Monthly Social Security Disability Benefits | SSD | SSDI | SSI

If you are applying for Social Security disability benefits, you may want a clear idea of how much your monthly Social Security disability check will be. While the amount of one’s monthly SSDI check will vary from person to person based on your prior earnings and work history, this website can help you estimate just how much your benefits will be. We can also connect you with a qualified Social Security disability lawyer who can help you with your case.

SSDI benefits

To qualify for SSDI benefits, an applicant must have spent a certain amount of time working in a job where he or she paid Social Security taxes and must have a medical condition of such gravity that it would fit the Social Security Administration’s definition of disabled. 

To Qualify for SSDI:

You must be a U.S. citizen or permanent resident.
You must be under 65 and thus not yet eligible for Social Security retirement;
You must have a recent work history and worked for enough time;
You must be considered disabled by the SSA’s definition.

How big will my monthly SSDI disability benefits check be?

SSDI benefits are based on your prior income. The more you paid into the system, the more you will be able to draw out of it once you are declared disabled and awarded benefits.  


A worker’s monthly disability payment will be a percentage of that worker’s average earnings. For example, a person making $42,000 a year would receive, on average, around $18,700 in disability insurance benefits annually, or roughly 45 percent of their former earnings. The average monthly benefit paid out for all disability recipients in November 2010 was $1,067. When you are declared disabled by the Social Security Administration, you will receive a letter that outlines how much you will receive each month.


Back pay of SSDI benefits

Once you are declared eligible for Social Security disability benefits, you may also be eligible for back pay. The specific amount of back pay depends on what date the Social Security Administration declares as the time of your disability’s onset. You will receive a lump check for your monthly benefits from that date to the date your application was approved, minus payments from the five-month "waiting period" that all Social Security disability claimants are subject to.


SSI benefits

Supplemental Security Income (SSI benefits) are monthly payments to people who have low income and few resources. This program is funded by general federal tax revenue, not Social Security taxes like SSDI.


To Qualify for SSI:

·       You must be disabled according to the SSA's definition;

·       You must be a U.S. citizen;

·       You must earn less than a specified amount;

·       You must have limited resources.


How big will my monthly SSI disability benefits check be?

As of 2011, the monthly SSI check maximum for an individual was $674 and for a couple $1,011. The amount of other income you can receive each month and still get SSI benefits depends partly on where in the country you live.


Generally, however, SSI's income limitation says you cannot make more than your SSI payment each month, or the Federal Benefit Rate. Some parts of your income do not count towards whether you qualify for SSI, including the first $65 you make from working, the first $20 you receive, any food stamps or housing assistance you get from private nonprofits.


Also, to qualify for SSI you cannot have above a set level of resources determined by the Social Security Administration. The SSA considers something to be a resource if you can convert it into cash to support yourself. These include bank accounts, cash, stock, bonds and real estate. You may qualify for SSI if you resources do not total above $2,000 for an individual or $3,000 for a couple.


Certain resources, such as the home you live in, life insurance policies valued at $1,500 or less, your car (typically), and burial plots for you and your family, do not count towards your resources for the SSA's calculations.


Concurrent SSI & SSDI benefits

It is possible to receive both SSI and SSDI benefits. If you hope to do so, it is important to file for both at the time of your initial application. A Social Security disability attorney can help you decide if exploring this option is right for your situation and circumstances.