How Much in Social Security Disability Benefits Can You Get?

If you're eligible for Social Security Disability Insurance (SSDI) benefits, the amount you receive each month will be based on your average lifetime earnings before your disability began. Unlike veterans compensation, workers' comp, or Supplemental Security Income payments, SSDI isn't based on how severe your disability is or how much income you have—everything depends on those lifetime earnings.

As you can see from this disability payment chart, most SSDI recipients receive between $800 and $1,500 per month. But if you're receiving disability payments from other sources, your payment may be reduced. (More on reduced payments below.)

How Much Disability Will I Get?

How much is SSDI? In 2023, the average SSDI payment for an individual is $1,483, but almost two-thirds of SSDI recipients receive less than that. And only 10% of SSDI recipients receive $2,000 per month or more.

The 2023 average Social Security benefit per month for an SSDI recipient who has a spouse and children is $2,616. (Minor children and spouses who are taking care of children or are at retirement age can also get benefits.)

Because benefit amounts depend on lifetime earnings, there's a large range in how much Social Security pays. For instance, let's look at age 55, the most common age disabilities start. For 55-year-olds who have worked their entire lives, Social Security typically pays $1,000 to $2,700.

The benefits pay chart here shows you the ranges based on income at age 55.

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.

What Is My Social Security Disability Benefit Amount?

The exact amount of money people get for SSDI each month is unique for every individual. The Social Security Administration (SSA) uses a complex weighted formula to calculate benefits for each person.

But the Social Security disability maximum monthly benefit is $3,627 in 2023.

Doing the math yourself to calculate your own benefit amount is difficult, but here's how the formula works. It helps to know how disability is calculated. (But there are easier ways to find out how much disability you'll get, which we cover in the next section.)

AIME. Social Security bases your retirement and disability benefits on the amount of income on which you've paid Social Security taxes—called "covered earnings." Your average covered earnings over the past 35 years are known as your "average indexed monthly earnings" (AIME).

Bend points. The SSDI formula uses fixed percentages of different amounts of income. These percentages, called "bend points," are adjusted each year. In 2023, here are the bend points and how they come together:

• 90% of the first $1,115 of your AIME
• plus 32% of your AIME from $1,115 to $6,721
• plus 15% of your AIME over $6,721.

PIA. Adding those three figures together gives the SSA your primary insurance amount (PIA). Your PIA is the base figure the SSA uses in setting your benefit amount.

How Do You Find Out Your Social Security Benefit Amount?

Your Social Security Statement, which the SSA recently redesigned, is the best place to find your SSDI benefit amount. You can find your statement online at www.ssa.gov/myaccount. (Note that Social Security only sends out printed statements to people over 60 who aren't receiving benefits and don't have an online account at Social Security's website.)

If you don't receive benefits yet, your Social Security Statement will show you what your SSDI payment will be if you get approved for disability benefits this year. It also shows what your retirement benefit would be at ages 62, 67, and 70.

You can also check your entire covered earnings history on your Social Security Statement.

The SSA still has an online benefits calculator that you can use to get an estimate of your monthly benefits, but if you sign up for an account to see your new Social Security Statement, you won't need it.

You can also call your local Social Security office, and a field representative will be able to help you estimate what your benefits would be.

Can Other Income Reduce Your SSDI Payment?

Income from work won't reduce your SSDI payment, and any disability benefits you receive from a private long-term disability insurance policy won't affect your SSDI benefits. Nor will Supplemental Security Income or VA benefits impact your SSDI amount. But government-regulated disability benefits, such as workers' comp or temporary state disability benefits, can affect your SSDI benefits.

Here's how that works: If the amount in SSDI plus the amount from government-regulated disability benefits is more than 80% of the amount you earned before you became disabled, the SSDI or other benefits will be reduced.

The following types of government benefits could also lower your SSDI payment:

• workers' comp payments
• state short-term disability payments
• civil service disability benefits, and
• state or local government retirement benefits based on disability.

Can the Amount of Your SSDI Check Change?

Most years, your monthly SSDI payment will go up, thanks to Social Security's annual cost of living adjustment (COLA). You can find the annual COLA here.

Once you're eligible for Medicare benefits (two years after you become entitled to SSDI benefits), the cost of Medicare Part B will be taken directly out of your Social Security check. Most people will pay a premium of $164.90 for Part B in 2023, but the amount can be quite a bit higher for those with high income.

If you have low income, a Medicare Savings Program can pay your Part B premium.

Otherwise, your SSDI check won't change, unless you start collecting workers' comp or one of the government benefits mentioned above.

How Much in Social Security Back Pay Can You Get?

How much you'll receive in Social Security disability back payments depends on your SSDI monthly amount. And how many months of back payments you get is determined by your application date and your established date of onset (when your disability started). For instance, if you were disabled for 10 months before you were approved for benefits, you will get 10 months of back payments.

If you previously applied for disability benefits but didn't get them that time, your backpay might go back even further—to the original application date. Learn more about how SSDI backpay is calculated.

Average Social Security Disability Benefit Amount Per State

The chart below shows the average monthly SSDI payment in each state for people who can no longer work (benefit amounts for widows and adult children are not included).

In most states, the average payment hovers around $1,500, but in several outlier areas, the average amounts dip to around $1,400, and some of the Northeast states have average monthly payment amounts that climb close to $1,700.

Find the average benefit amount for your state below.

State	Average Disability Payment Per Month
Alabama	1,543
Alaska	1,622
Arizona	1,621
Arkansas	1,499
California	1,491
Colorado	1,618
Connecticut	1,678
Delaware	1,670
District of Columbia	1,391
Florida	1,573
Georgia	1,534
Hawaii	1,573
Idaho	1,541
Illinois	1,605
Indiana	1,583
Iowa	1,515
Kansas	1,553
Kentucky	1,533
Louisiana	1,504
Maine	1,502
Maryland	1,673
Massachusetts	1,650
Michigan	1,627
Minnesota	1,610
Mississippi	1,480
Missouri	1,540
Montana	1,486
Nebraska	1,486
Nevada	1,617
New Hampshire	1,646
New Jersey	1,775
New Mexico	1,482
New York	1,652
North Carolina	1,553
North Dakota	1,484
Ohio	1,525
Oklahoma	1,505
Oregon	1,541
Pennsylvania	1,631
Rhode Island	1,550
South Carolina	1,545
South Dakota	1,468
Tennessee	1,516
Texas	1,549
Utah	1,544
Vermont	1,487
Virginia	1,578
Washington	1,634
West Virginia	1,566
Wisconsin	1,592
Wyoming	1,620

_{Source:
Annual Statistical Report on the Social Security Disability Insurance Program, 2021}

_{Updated August 14, 2023}