How to Determine How Much Money You Will Receive from Social Security Disability
Each and every year, millions of Americans suffer from a disabling condition. It is not uncommon for a disability to interfere with an individual's ability to work and earn an income. As a result, these disabled individuals must rely on Social Security Disability benefits to make ends meet. Many of the people who apply for Social Security Disability benefits find themselves uncertain as to how much money they will receive each month from the Social Security Administration.
If you are approved for Social Security Disability benefits, how much will you be paid each month when your benefit check arrives? Unfortunately, the answer to this question isn't always cut and dry. There are, however, ways that you can estimate what you might expect from the Social Security Administration. If you are wondering how much money you are eligible to receive through Social Security Disability benefits, the following information can help you understand the ways of determining your monthly disability benefit amount may be.
Determining Your Benefits
How much money you receive in Social Security Disability benefits each month will depend on a variety of factors including which disability benefits you are eligible for (SSI or SSDI) and how much money you earned and paid into the Social Security system. Each year the Social Security Administration sends a Social Security Statement that lets you know how much money you would be entitled to if you became disabled at the time the statement was prepared. This statement is the most accurate way to estimate your monthly disability benefit amount. If you do not have a copy of this statement, you can contact the Social Security Administration to request one. It will take three to four weeks from the date of your request to receive the statement in the mail.
If you do not want to wait to receive your Social Security Statement, you can also use the SSA's online benfits calculator to determine how much money you might receive in monthly Social Security Disability benefits. Of course, these calculators cannot guarantee the amount you will receive or ensure that you will actually be eligible for benefits. They can, however, be used as a general guideline to estimate the benefits you may be entitled to.
The Average Disability Benefit
While it is impossible to tell exactly how much you will receive in Social Security Disability benefits until you are actually approved for benefits by the Social Security Administration, knowing the average Social Security Disability payment can shed some light on how much money the average disability recipient is entitled to.
As of 2008, the average SSDI payment to individuals who qualify for Social Security Disability benefits was $1,063.00 per month. The average SSI benefit was $439 per month. The amount you receive if you are eligible for disability benefits may be higher or lower than these amounts depending on your past earnings, your current earnings and the number of dependents living in your household.
Since the SSI program is a needs-based program, some Social Security Disability recipients are able to qualify for both SSI and SSDI benefits depending on their household income and the number of dependents living in the household.
Getting Additional Support and Assistance
If you are approved for Social Security Disability benefits and you feel that the monthly amount you are awarded is not enough to cover your day-to-day living expenses, you may want to check with your local state agency to see what other forms of assistance you may be entitled to. Some states supplement the SSI payments received by their residents and others provide other forms of assistance, such as medical care and food stamp benefits. Your local state agency can discuss what additional assistance, if any, you may be entitled to in addition to Social Security Disability benefits.
- Do You Qualify?
- Application Process
- Medical Conditions
- Disability Resources