Workers comp, pensions, etc.
✓ General work requirement (minimum 5 years): 20 years worked
✓ Recent work test (worked recently enough)
✓ Duration of work test (sufficient lifetime work credits)
Estimated Monthly SSDI Benefit
$1,595.00
Based on 2024 bend points and PIA formula
SSDI (Your Estimate)
$1,595.00
per month
SSI Maximum (2024)
$943.00
per month
Your estimated SSDI benefit is $652.00 more per month than the maximum SSI benefit.
SSDI benefits do not begin until 5 full months after the established disability onset date. During this waiting period, you would forgo approximately:
$7,975
5 months x $1,595.00/month
| Earner Type | Monthly Earnings | AIME | Est. Monthly Benefit | Replacement Rate |
|---|---|---|---|---|
| Low Earner | $2,000 | $1,142 | $1,027.00 | 51.3% |
| Average Earner | $4,000 | $2,285 | $1,412.00 | 35.3% |
| Above Average | $6,000 | $3,428 | $1,777.00 | 29.6% |
| High Earner | $8,000 | $4,571 | $2,143.00 | 26.8% |
| Maximum Taxable | $10,000 | $5,714 | $2,509.00 | 25.1% |
All estimates assume 20 years of work history. Actual benefits depend on individual earnings record.
This is an estimate only. Actual SSDI benefits are calculated by the Social Security Administration (SSA) based on your complete earnings record. Many factors can affect your actual benefit amount, including cost-of-living adjustments, other income offsets, and individual circumstances. Contact the SSA at 1-800-772-1213 or visit ssa.gov for your exact benefit calculation.