Invest Wisely

Social Security Disability Payments

by Pragati Suman5 min read
Social Security Disability Payments

The Social Security Administration pay workers who are, by their definition, disabled and can no longer work at their primary employment. As income replacement, beneficiaries may receive Social Security Disability payments through Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits.

If you applied and were approved for disability, you will receive Social Security disability payments that will be helpful in making ends meet. 



Bills, food, clothing, rent and so on will be a constant concern for a disabled worker. This is why the Social Security disability payment is important for an average American who suffers from a disabling medical condition.

These Social Security disability payments are awarded monthly in cheque form. The question is, how much can a beneficiary receive?


How much Social Security Disability Payment can you Receive?

A beneficiary will receive SSDI payment based on their average lifetime earnings. The SSI on the other hand depends on how much is needed by the disabled, blind or 65 years old and above worker.

The SSDI or SSD as it is sometimes called, is calculated based on your average or expected lifetime earnings before you were disabled. The maximum amount is around $2700.

The SSA uses a complex formula to calculate a disabled worker’s payment. The amountvaries from one beneficiary to another.

Sadly, the Social Security Disability payment does not consider how severe your disability is. Many SSDI recipients get a disability check amounting to anywhere between $700 to $1700 a month.

The amount may be reduced if you are receiving disability payments from other sources.


Calculating your Social Security Disability payments



You can estimate your Social Security Disability Payment using the SSA’s online calculators.

Through my Social Security account online, you can check or estimateyour Social Security disability payment.

The SSA has several available online calculators on their website for different purposes and payments. From the Retirement Estimator to Life Expectancy Calculator, there are ways you can calculate and estimate your Social Security payments.

The Online Calculator for example is for calculating retirement and disability payments. This makes it easy for everyone to check how much they will receive monthly.

Because the SSA uses a complex formula to calculate your disability payments, doing it yourself may not be for everyone.

You may also refer to your annual Social Security Statement. The statement is printed out every 5 years for those not receiving benefits and yearly for workers aged 60 and up. You can also check your statement online via the SSA websites and use the information to estimate your payments.


Word to the Wise

Receiving disability payments from a private insurance policy will not reduce your SSDI benefits. Government disability payments such as the state governed temporary disability payment may reduce your SSDI benefits.

The main idea is that a worker cannot receive more than 80% of the average amount you earned before you became disabled, in terms of the SSDI and other disability benefits.

Only the SSI and VA benefits do not affect the SSDI amount.