We and our partners process data to: Actively scan device characteristics for identification. I Accept Show Purposes. Your Money. Personal Finance. Your Practice. Popular Courses. Part Of. Getting Started. How Social Security Is Organized. Getting Benefits. Benefits and Your Income. Benefits for Spouses. Benefits for Dependents, Survivors, After Divoce. Immigrants, Non-Citizens, Americans Abroad. Smart Benefits Strategies. Retirement Planning Social Security. While there are some conditions that the Social Security Administration SSA considers so severe that they automatically render an applicant disabled, many conditions require careful screening.
There is a mandatory waiting period of five months after your disability begins before you can start receiving benefits. Login or register on AARP. You are leaving AARP. Please return to AARP.
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Social Security bases your retirement and disability benefits on the amount of income on which you've paid Social Security taxes—called "covered earnings. Bend points. The SSDI formula uses fixed percentages of different amounts of income. These percentages, called "bend points," are adjusted each year. In , here are the bend points and how they come together:. You can find your statement online at www. Note that Social Security only sends out printed statements to people over 60 who aren't receiving benefits and don't have an online account at Social Security's website.
If you don't receive benefits yet, your Social Security Statement will show you what your SSDI payment will be if you get approved for disability benefits this year. It also shows what your retirement benefit would be at age 62, 67, and You can also check your entire covered earnings history on your Social Security Statement. Unlike Supplemental Security Income SSI , which also pays benefits to people who are disabled and unable to work but is based on limited income and resources, SSDI requires that you have worked and paid Social Security taxes for a certain length of time.
This article covers how the monthly benefit is calculated. If you are eligible for SSDI benefits, the amount you receive each month will be based on your average lifetime earnings before your disability began. This is the only factor that determines your benefit amount, although it may be reduced if you're receiving disability payments from other sources more on this below. In other words, your SSDI benefit amount is not based on how severe your disability is, and unlike SSI, you cannot be denied SSDI because you have too much unearned income or too many resources assets.
Your past earnings must be covered under the Social Security program in order to count towards the amount of SSDI benefits you will receive. If you have received a paycheck that had money withheld for "Social Security taxes" or "FICA," the wages you made at that job are covered earnings and will count toward calculating your benefit amount.
Most wages are covered earnings.
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