To do this, the SSA will adjust, or index, your lifetime earnings to account for the increase in general wages that happened during the years you worked. This is done to make sure that the payments you get in the future mirror this rise. The SSA will use up to 35 of your working years in the calculation. The SSA takes the years with the highest indexed earnings, adds them together, and divides them by the total number of months for those years.
The average is then rounded down to reach your AIME. The dollar amounts that result from the calculation are called "bend points.
The easiest way to calculate SSDI benefits is to go to www. It will tell you exactly how much SSDI you will get if you become disabled this year. By the time they get an approval letter from Social Security, most disability applicants are eligible for back payments of benefits. The number of months of back payments you'll receive will depend on when you applied for SSDI and the date the SSA decided you became disabled called your "established onset date," or EOD.
In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date or your "protective filing date," discussed below —if you were disabled that long ago. You can't get benefits for the months before your EOD again, your disability onset date. Once you are approved for benefits, there is a five-month waiting period, starting at your disability onset date, before you can be paid benefits.
This means that, to receive the maximum amount of backpay going back for the 12 months before your application date , you must have an EOD of at least 17 months prior to your application date or your protective filing date.
The one exception to this rule is for ALS; claimants who have been diagnosed with ALS, or Lou Gehrig's disease, do not have a five-month waiting period. You can establish a protective filing date PFD by making a written statement to the SSA that you intend on filing for disability benefits.
A PFD is also established when you begin an online application, even if you don't complete it. If you want to learn more, read our article about back payments. Learn more about how SSDI backpay is calculated. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. The attorney listings on this site are paid attorney advertising.
In some states, the information on this website may be considered a lawyer referral service. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state.
Call us at 1 Your SSDI payment depends on your average lifetime earnings. Within those ranges, the amount you'll receive will depend on the following: your average income over 35 years whether you paid self-employment taxes if you owned your own business or freelanced whether you worked in any jobs that didn't pay into the Social Security system such as state or local government jobs , and whether you took any years off work for child-rearing or long-term illness.
Talk to a Disability Lawyer Need a lawyer? Start here. Zip Code. How it Works Briefly tell us about your case Provide your contact information Choose attorneys to contact you. Boost Your Chance of Being Approved. How It Works Briefly tell us about your case Provide your contact information Choose attorneys to contact you. This is the only factor that determines your benefit amount, although it may be reduced if you're receiving disability payments from other sources more on this below.
In other words, your SSDI benefit amount is not based on how severe your disability is, and unlike SSI, you cannot be denied SSDI because you have too much unearned income or too many resources assets. Your past earnings must be covered under the Social Security program in order to count towards the amount of SSDI benefits you will receive. If you have received a paycheck that had money withheld for "Social Security taxes" or "FICA," the wages you made at that job are covered earnings and will count toward calculating your benefit amount.
Most wages are covered earnings. To see your entire covered earnings history, you can check your annual Social Security Statement. Check your statement by logging on to my Social Security. You can also use the benefits calculator online at www. Or, call your local Social Security office and they will be able to help you estimate what your benefits would be. If you receive disability benefits from a private source, like a private pension or private insurance benefits, these benefits will not affect your SSDI benefits.
If, however, you receive other public disability benefits, they may affect your SSDI benefits.
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