How much does a person get on social security disability? This is a question that often comes to the minds of individuals who are considering applying for SSDI (Social Security Disability Insurance) or SSI (Supplemental Security Income). The amount of monthly benefits a person receives on SSDI or SSI depends on various factors, including their work history, income, and the severity of their disability. In this article, we will explore the factors that determine the SSDI and SSI benefits and provide a general idea of the average monthly payments.
Social Security Disability Insurance (SSDI) is a federal program designed to provide financial assistance to individuals who are unable to work due to a severe and long-term medical condition. To qualify for SSDI, a person must have worked and paid into the Social Security system for a certain number of years, depending on their age. The amount of SSDI benefits a person receives is based on their average indexed monthly earnings (AIME) during their highest-earning 35 years of employment.
Calculating SSDI benefits involves several steps:
1. Determine the person’s AIME by averaging their earnings over the 35 years they worked the most.
2. Apply a formula to the AIME to calculate the primary insurance amount (PIA), which is the monthly benefit amount they would receive if they were to retire at full retirement age.
3. Adjust the PIA based on the person’s actual age at the time of disability onset.
The average SSDI benefit in 2021 was around $1,258 per month. However, this amount can vary significantly based on individual circumstances. For example, someone with a higher AIME will receive a higher monthly benefit, while someone with a lower AIME will receive a lower benefit.
Supplemental Security Income (SSI) is a needs-based program that provides financial assistance to individuals who have limited income and resources. Unlike SSDI, SSI does not require a work history. The amount of SSI benefits a person receives is determined by their income and resources, as well as the federal and state guidelines.
Here’s how SSI benefits are calculated:
1. Determine the federal benefit rate (FBR), which is the maximum monthly benefit amount a person can receive.
2. Subtract the person’s countable income from the FBR to calculate the SSI benefit amount.
3. Adjust the benefit amount based on any countable resources the person has.
As of 2021, the average SSI benefit was around $581 per month. However, this amount can also vary depending on the individual’s circumstances.
In conclusion, the amount a person gets on social security disability depends on whether they are eligible for SSDI or SSI, their work history, income, and the severity of their disability. While the average SSDI benefit is around $1,258 per month, the average SSI benefit is around $581 per month. It’s essential for individuals to understand these factors and consult with a Social Security representative or an attorney to ensure they receive the maximum benefits they are entitled to.
