如何计算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.
公式
SSDI Benefit = PIA (Primary Insurance Amount) based on AIME (Average Indexed Monthly Earnings)
- 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)
分步指南
- 1For SSDI: Calculate AIME from your highest 35 years of indexed earnings
- 2Apply the PIA formula with bend points to get the monthly benefit
- 3For SSI: Start with the federal benefit rate ($943/month in 2024) and subtract countable income
- 4Consider state supplements that may increase the SSI payment
例题解析
输入
AIME of $5,000, applying 2024 bend points
结果
Estimated SSDI benefit ~$2,400/month
输入
No work history, single individual, SSI
结果
Maximum federal SSI $943/month (2024), minus countable income
常见错误注意事项
- ✕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
常见问题
Can I receive both SSDI and SSI?
Yes, this is called concurrent benefits. If your SSDI amount is low, SSI can supplement it up to the SSI maximum, and you may qualify for Medicaid.
How long does disability approval take?
Initial decisions take 3–6 months. If denied, reconsideration takes another 3–6 months. A hearing before an ALJ can take 12–18 months. Many claims are approved at the hearing level.
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