Cara Menghitung Disability Benefit

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A disability benefit calculator estimates monthly Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) payments. SSDI is based on your work history and average earnings, while SSI is a needs-based program with a flat maximum amount.

Rumus

AIME

Average Indexed Monthly Earnings ($/month) — Average of highest 35 years of earnings, indexed for inflation

PIA

Primary Insurance Amount ($/month) — Monthly benefit amount calculated from AIME using bend points

FBR

Federal Benefit Rate ($/month) — Maximum SSI payment ($943 in 2024)

Panduan Langkah demi Langkah

1. 1For SSDI: Calculate AIME from your highest 35 years of indexed earnings
2. 2Apply the PIA formula with bend points to get the monthly benefit
3. 3For SSI: Start with the federal benefit rate ($943/month in 2024) and subtract countable income
4. 4Consider state supplements that may increase the SSI payment

Contoh Terpecahkan

Kesalahan Umum yang Harus Dihindari

• ✕Confusing SSDI (work history-based) with SSI (needs-based)
• ✕Not realizing there is a 5-month waiting period for SSDI benefits
• ✕Assuming disability approval is quick — initial applications take 3–6 months and ~65% are denied

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