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How Are Social Security Disability Benefits Calculated?

How Are Social Security Disability Benefits Calculated?

| May 28, 2013

There is no set amount you will receive if you qualify for Social Security Disability Insurance . The Social Security Administration uses a complex formula based on the income you have earned to calculate your benefit.

The longer you work and the more money you make, the higher the amount you will receive for disability. Averages The Social Security Administration set the 2013 maximum disability benefit at $2,533 in 2013. However, most recipients receive significantly less than that. The average disability payment is $1,132, according to the administration, and most payments fall between $300 and $2,200 a month. What goes into the calculation: The SSA determines your benefit amount based on the taxes you have paid to Social Security over the years. Those earnings are considered your averaged indexed monthly earnings - AIME. Your AIME is used in a formula to calculate your primary insurance rate, the base figure the administration uses to determine your benefit amount. The formula: The SSA uses fixed percentages of certain amounts of your income to determine your benefit amount. In 2013, a worker's primary insurance rate consists of 90 percent of the first $791 of his or her average indexed monthly earnings, plus 32 percent of AIME over $791 and under $4,768, plus 15 percent earnings greater than $4,768 a month. Finding out what your benefit will be: If you want to look at your Social Security statement, it's easy to access online at the Social Security Administration's website - http://ssa.gov/myaccount/ . Give the experienced South Carolina disability attorneys at George Sink Injury Lawyers a call for more information about how to determine what your SSDI benefit would be. We have offices throughout the state and our staff will be happy to answer questions and offer a free consultation .
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