How Much in Disability Benefits Can You Get From Social Security?

How much your SSDI (Social Security disability) benefit will be is based on your "covered earnings"—the wages that you paid Social Security taxes on—before becoming disabled.

Your SSDI benefits might be reduced if you get disability payments from other sources, such as workers' comp, but regular income won't affect your SSDI payment amount.

How Much Does SSDI Pay?

The Social Security Administration (SSA) uses your Average Indexed Monthly Earnings (AIME) and Primary Insurance Amount (PIA) to calculate your SSDI benefits. The formula Social Security uses to calculate your disability benefits is quite complicated, and most people won't be interested in trying to calculate their benefits on their own.

Social Security can give you a good estimate if you call the agency or create a "my Social Security account" on their website. But here's some information on averages.

Average SSDI Payment

To give you an idea of how much SSDI pays, for 2025, the average SSDI payment is $1,580 per month. But claimants (applicants) who were just approved in 2023 are receiving an average of $1,753. The higher average for claimants who were recently approved for benefits is probably due to the fact that they worked more recently than SSDI recipients who've been receiving benefits for years, and they collected higher wages due to inflation.

SSDI payments don't vary by state; your SSDI payments will stay the same even if you move from state to state.

People whose income was fairly high in recent years can receive up to $4,018 (in 2025).

Calculating SSDI Benefits

If you're interested in how Social Security calculates your AIME and PIA, here's how.

Average Indexed Monthly Earnings

First Social Security will determine your AIME. To do this, the SSA will adjust, or index, your lifetime earnings to account for the increase in general wages that happened during the years you worked. Social Security does this to make sure that the payments you get in the future mirror this rise.

Social Security will use up to 35 of your working years in the calculation. The SSA takes the years with the highest indexed earnings, adds them together, and divides them by the total number of months for those years. The average is then rounded down to reach your AIME.

You can see an example of how Social Security calculates an AIME on the SSA's website.

Primary Insurance Amount

Your Primary Insurance Amount (PIA) is the base amount of your benefits. The SSA uses the total of three fixed percentages of your AIME to determine your PIA. The dollar amounts that result from the calculation are called "bend points." Bend points are changed each year to reflect the national average wage index.

The PIA for someone who becomes eligible for SSDI benefits in 2025 is the sum (total) of the following:

1. 90% of the first $1,226 of your average indexed monthly earnings
2. 32% of the average indexed monthly earnings over $1,226 through $7,391, and
3. 15% of the average indexed monthly earnings over $7,391.

If the sum of the percentages isn't a multiple of $0.10, it will be rounded to the next lower multiple of $0.10.

Check Your Social Security Statement

The easiest way to calculate SSDI benefits is to go to www.ssa.gov/mystatement, log in, and check your benefits statement. It will tell you exactly how much SSDI you will get if you become disabled this year. Your Social Security Statement will show you what your SSDI payment will be if you get approved for disability benefits this year.

Amount of Disability Backpay

By the time most disability applicants get an approval letter from Social Security, they're eligible for back payments of SSDI benefits. The number of months of back payments you'll receive depends on when you applied for SSDI and the date the SSA decided you became disabled (called your "established onset date," or EOD).

The amount you'll receive in total SSDI backpay equals your monthly SSDI benefit amount times the number of months the SSA owes you.

In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year before your application date (or before your "protective filing date," discussed below)—if you were disabled that long ago. You can't get benefits for the months before your onset date. For more information, see our article on calculating back pay.

Five-Month Waiting Period

Once you're approved for benefits, you'll have a five-month waiting period, starting at your disability onset date, before you can be paid benefits. This means that, to receive the maximum amount of backpay (going back for the 12 months before your application date), you must have an onset date of at least 17 months before your application date (or before your protective filing date).

The one exception to this rule is for ALS; claimants who have been diagnosed with ALS, or Lou Gehrig's disease, don't have a five-month waiting period.

Protective Filing Date

You can establish a protective filing date (PFD) by making a written statement to the SSA that you intend to file for disability benefits. A PFD is also established when you begin an online application, even if you don't complete it.

In addition to having your back pay start from an earlier date, having a protective filing date can help you qualify for benefits, if you haven't worked for a while. You won't qualify for SSDI if you haven't worked five of the last ten years. The date your SSDI eligibility ends because of not working is your "date last insured" (DLI). If you apply for disability after your DLI, you'll be denied. But if you received a protective filing date before your DLI occurred, you'll still be eligible for benefits even if you finish your SSDI application after your DLI.

Offsets for Other Disability Income

Some disability payments, such as workers' compensation settlements, can reduce your SSDI benefit amount. When the SSA reduces your SSDI payment because of another benefit you're receiving, it's called an "offset."

The following government benefits may also cause the SSA to offset your SSDI payment:

• state short-term disability payments
• civil service disability benefits, and
• state or local government retirement benefits based on disability.

Other disability benefits, however, such as Supplemental Security Income, veterans benefits, and payments made by private insurance, won't affect your SSDI benefit amounts.

Cost of Living Adjustment (COLA) for Disability Benefits

Every year, everyone's Social Security benefits are recalculated to adjust to the increasing cost of living. How much of an increase depends on the annual COLA amount for SSDI, which is determined by increases in the Consumer Price Index (CPI).

Sources:

_{Annual Statistical Report on the Social Security Disability Insurance Program, 2023
Social Security Fact Sheet, 2025
Social Security Primary Insurance Amount, 2025}