SSDI Calculator
If you’re considering applying for Social Security Disability Insurance, our Social Security Disability Benefits Calculator can estimate your potential monthly disability payments. However, please note that these are estimates, not guaranteed amounts. To get started, just enter your average annual income during your last 10 years of work and the year you stopped working.
Calculate Your Payments
This calculator assumes the following:
- You have accumulated enough work credits to qualify for SSDI.
- You are between the ages of 18 and 67.
- You cannot perform substantial gainful activity, meaning your monthly earnings do not exceed $1,620.
If you believe that at least one of these assumptions is untrue, you may not be eligible for SSDI benefits.
How Are Social Security Disability Benefits Calculated?
SSDI benefits are federal disability benefits paid monthly to those with disabilities preventing them from working.
The monthly benefit amount you will receive is based on your past earnings. If your earning history is at least 35 years, the SSA will use the earnings for 35 years of your working history. To calculate the average, the SSA will use the 35 years with the highest earnings in your benefit calculations. If you have worked for less than 35 years, the SSA will use entire lifetime earnings in its calculations.
When the SSA calculates the average, it adjusts your earnings for inflation and determines your average indexed monthly earnings or AIME. The SSA uses your AIME to calculate your full retirement benefit, known as your primary insurance amount or PIA. It then rounds this value down to the nearest dollar to determine your monthly SSDI benefit.
The maximum available monthly benefit for 2025 is $4,018. However, the majority of beneficiaries receive significantly less than the maximum payment. The average monthly SSDI benefit in September 2024 was $1,539.84.
Who Is Eligible for SSDI Benefits?
To be eligible for SSDI benefits, you must have a disability that prevents you from working for at least a year or is expected to result in death. You must also have paid enough Social Security taxes through payroll deductions to qualify for benefits.
Some circumstances render you ineligible for SSDI benefits, such as the following:
- You are working with earnings exceeding $1,620 a month.
- You are not between the ages of 18 and 64.
- The SSA finds you are not sufficiently disabled.
Other circumstances may also impact your eligibility. An SSDI disability advocate can review your unique circumstances and confirm your eligibility for benefits.
How Can I Apply for SSDI Benefits?
You can apply for SSDI benefits online through your Social Security account, over the phone, or in person at your local Social Security Administration office. Your application will require you to document your age, identity, medical condition, income, and work history, among other things. The application process can be complicated. Thus, approximately two-thirds of all initial applications are denied. If the SSA denies your application, you have 60 days to submit an appeal.
The advocates at Disability Advice are helpful, knowledgeable professionals who know all of the ins and outs of the SSDI application process. We can help you apply for SSDI and give you the best shot at having your application approved the first time. If you’ve already applied and received a denial, we can help you appeal the decision.
Contact us online today for a free consultation.
- Free case evaluation
- Assist with denied claims
- Ensure you have all documents
- Make the process easy for you
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