What determines your disability benefit amount?



What will determine my SSDI or SSI disability benefit amount?



 
The determining factor for your disability amount depends upon which program you are eligible to receive disability benefits in, meaning SSDI or SSI.

If you are eligible for Social Security Disability benefits (SSDI), your disability benefit amount is determined by your earnings prior to your becoming disabled. If you had high earnings prior to becoming disabled, you will receive more than someone who has had lower earnings. No other factor is considered when calculating your Social Security Disability benefits.

If you are to receive Supplemental Security Income disability benefits (SSI), your disability benefits amount is set by congress. Congress sets a maximum monthly SSI benefit amount each year.

Note: not all SSI disability beneficiaries receive the same monthly amount due to other factors that affect what amount that can be paid. SSI disability is a need based disability program and, as such, income, outside help from family and friends, and living arrangements can reduce the maximum amount payable.



Income and outside financial help are easily understandable; however living arrangements may not be so easily understood.

If you receive SSI, you must be able to pay your fair share of the essential household expenses (i.e. rent, heat, water, power, etc.) where you live. If you are in a household of four people, you must be able to pay 21% of the expenses. If you cannot, you will not receive the full SSI monthly benefit amount.


About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.







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