What Social Security Disability Benefits Are You Eligible For?
Social Security is a program that can help many people struggling with disabilities that that restrict their ability to work. If you have worked in the U.S. for a certain number of years and have an injury or a condition that is recognized as a disability by the Social Security Administration, you may qualify to receive benefits that can help cover your cost of living as well as your support for your family. However, you first have to find out what kind of benefits you are eligible for — which will determine how much money you will receive each month from Social Security.
The two types of Social Security payments are SSDI, which is available to anyone whose disability has put them out of work for at least a year, and SSI, which is specifically geared toward low-income people who have a debilitating condition that prevents them from working. The average SSDI payout for 2017 is $1,171 per month, though most people get between $700 and $1,700, and some can get up to $2,639. This is a huge pay range, and the specific number is determined by which benefits you qualify for (as some people can get both SSDI and SSI), how long you have worked and paid taxes in the U.S., and how many dependents you have. The SSA releases a Social Security Statement each year to specify exactly what benefits people who became disabled that year would receive.
However, if you want to know what benefits you are eligible for in a fast and efficient manner, you can try using an online calculator offered on the SSA’s website. This calculator is only an estimate, but it provides a rough idea of how much money you should expect to receive from disability. The SSA uses the average amount of money you have made in your life — which determines how much you have paid in taxes — to calculate your primary insurance amount (PIA), which is an approximation of how much you would receive in disability benefits. In order to do this, the online calculator asks for information like your birth year and average monthly income. You can find this calculator online at ssa.gov.