Navigating Disability Benefits

On This Page

1. Calculating SSDI benefits
2. Calculating SSI benefits
3. When Can I Apply for Disability Benefits?
4. How do I Apply for Disability Benefits?
5. How Can I See My Disability Benefits?
6. Call Our Disability Benefits Lawyers Now for Help

REVIEWED BY

C. William Kenny

February 02, 2024

Board certified by National Board of Trial Advocacy

Disability benefits, provided through programs like Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), offer vital support to individuals unable to work due to disabling conditions. Understanding how these benefits are calculated can demystify the process and help those in need access the financial assistance they deserve.

Social Security Disability lawyers can help you navigate disability benefits, highlight everything needed to get them, and let you know if you qualify for one or both disability programs.

Calculating SSDI benefits

Social Security Disability Insurance (SSDI) is for individuals who have contributed to Social Security through their work history by paying taxes. SSDI benefits are determined primarily by the individual’s average indexed monthly earnings (AIME) over their working years. 

The Social Security Administration (SSA) uses a formula that considers lifetime earnings, adjusts them for inflation, and calculates the average monthly earnings. Generally, higher lifetime earnings translate to higher SSDI benefits, up to a maximum monthly amount set by law. Here’s some important facts about SSDI benefits:

• They Are Based on Work History: SSDI is for people who have worked and paid into Social Security.
• Your Average Earnings Matter: The amount you get depends on your average earnings over your working years.
• Formula Calculation: The Social Security Administration (SSA) uses a formula considering your lifetime earnings and adjusts them for inflation to calculate your monthly benefit.
• Higher Earnings, Higher Benefits: Generally, if you earned more during your working years, your SSDI benefits will be higher, up to a maximum set by law. In 2024, the highest possible SSDI benefits are $3,822 per month.

Calculating SSI benefits

On the other hand, Supplemental Security Income (SSI) is a needs-based program aimed at those with limited income and resources who are disabled or blind. SSI benefits are not tied to work history but are instead calculated based on financial need. 

The federal government establishes a maximum payment amount, which may be adjusted annually for cost-of-living increases. The SSA considers an individual’s countable income and resources, including wages, Social Security benefits, and certain other types of income, as well as cash, bank accounts, and property. When considering SSI benefits, keep the following in mind:

• Financial Need Matters: SSI is available for disabled individuals with limited income and resources.
• There’s a Maximum Payment Set by Government: The federal government sets a maximum payment amount, which can change yearly based on living costs. In 2024, the highest monthly payment possible is $943, as outlined in this 2024 fact sheet.
• Your Income and Resources Are Considered: The SSA looks at your countable income and resources, including wages, Social Security benefits, and property. Some income and resources don’t count toward the total, ensuring the benefit meets your financial needs.

Both types of monthly benefits may undergo adjustments based on additional factors. For instance, receipt of other disability benefits or changes in living arrangements can impact payment amounts. Additionally, individuals may be eligible for auxiliary benefits for dependents, such as spouses or children, which are calculated as a percentage of the primary beneficiary’s benefit amount.

Understanding how your benefit amount is calculated is crucial for those seeking assistance. It enables individuals to navigate the disability claims process effectively and ensures they receive the support needed to maintain financial stability in the face of disability. By shedding light on the calculation methods for these essential programs, we empower individuals and families to access the assistance they rightfully deserve during challenging times.

When Can I Apply for Disability Benefits?

To qualify for SSDI, individuals must have a disability that prevents them from working and is expected to last at least one year or result in death. Additionally, applicants must have sufficient work credits, which are accumulated through their work history and contributions to Social Security. Younger workers may need fewer credits than older workers, but a lawyer can help review the details of your case and determine if you have enough credits to apply. 

If you have become disabled or are blind and have limited income and resources, you should apply for SSI immediately. SSI benefits are need-based, so the sooner you apply, the sooner you can potentially receive assistance. If you are having financial difficulties or are out of work because of your condition, apply as soon as you can.

You should also make sure you seek a diagnosis of your medical condition as soon as you can to help prevent delays in the process.

How do I Apply for Disability Benefits?

The application process for SSDI and SSI begins with submitting an application either online or at a local Social Security office. This involves providing detailed medical records and work history to prove disability and financial need.

If the initial application is denied, applicants can file an appeal, starting with a request for reconsideration. During reconsideration, a different Social Security official reviews the case. If denied again, applicants can request a hearing before an Administrative Law Judge. This hearing allows applicants to present new evidence and argue their case in person.

How Can I See My Disability Benefits?

You have access to your future benefits amount when you create a my Social Security account online. Accessing your personal my Social Security account online is a convenient way to review your Social Security benefits from the comfort of your home. By visiting the Social Security Administration’s website and creating an account, you can gain access to a wealth of information about your benefits. 

Once logged in, you’ll find a dedicated section that outlines your benefit amount, providing clarity on the payments you’re eligible to receive. This feature allows you to stay informed about your benefits, track any changes, and plan your finances accordingly. With easy online access to your benefit information, managing your Social Security benefits becomes simpler and more convenient.

Call Our Disability Benefits Lawyers Now for Help

The team at Berger and Green can answer your questions about Social Security disability payments and how your benefit amount is calculated. We can review which benefit type you are eligible for and help you apply. There is no fee unless we win your claim!

If you have been denied benefits, contact the lawyers of Berger and Green for a free case evaluation.