Overview of maximum social security disability benefits

In 2022, the average Social Security disability benefit for a disabled worker with Social Security disability insurance (SSDI) is estimated at $ 1,358 per month, according to the Social Security Administration (SSA). These benefits are based on average lifetime earnings, not household income or the severity of a person’s disability.

If you have kept your annual Social Security statement, you can find what you are likely to receive in the Estimate of Benefits section. The total amount that a disabled worker and his family can receive is around 150% to 180% of the disabled worker allowance. Eligible family members can include a spouse, divorced spouse, child, disabled child and / or adult disabled child before the age of 22. The estimated monthly average of Social Security benefits payable to a disabled worker, spouse, and one or more children in 2022 is $ 2,383.

For a more accurate indication, Social Security has an online calculator that you can use to get an estimate of retirement and disability benefits for you and your family members.

Key points to remember

  • The total amount that a disabled worker and his family can receive is around 150% to 180% of the disabled worker allowance.
  • While there are certain conditions that the Social Security Administration (SSA) considers so severe that they automatically render an applicant disabled, there are many conditions that require careful consideration.
  • There is a mandatory waiting period of five months after the onset of your disability before you can start receiving benefits.

What are Social Security disability benefits?

Social Security disability benefits come from payroll deductions required by the Federal Insurance Contributions Act (FICA) to cover the cost of social security benefits, such as retirement and spouse and child benefits. survivor. Part of this funding goes into the Disability Insurance (AI) Trust Fund and pays disability benefits.

According to the Social Security website, to qualify for Social Security disability benefits, you must have worked for a certain period of time in jobs covered by Social Security. Typically you need 40 credits, 20 of which have been accumulated over the past 10 years, ending with the year you became disabled. You must also have a medical condition that meets the Social Security definition of disability.

Young workers might qualify with fewer credits.

SSDI should not be confused with Supplementary Security Income (SSI), which pays benefits to those in financial need, regardless of their work history. Although these two names sound similar, the qualifications for getting the payouts and what you might receive are quite different.

Social Security Disability Assessment Process

While there are certain conditions that the SSA considers so serious as to automatically render a candidate disabled, there are many conditions that require careful consideration, including answering these five questions:

  1. Are you working right now? If you are working, are not blind, and your average earnings exceed $ 1,350 per month in 2022, you will not be considered disabled. If you are not working or if your income falls below the substantial gainful activity limits (SGA), go to question two.
  2. Is your condition “serious”? If Social Security determines that your condition does not interfere with basic work-related activities, you will not be considered disabled. If your condition interferes with basic work activities, go to question three.
  3. Is your condition on the list of disabling conditions? Social Security maintains a list of disabling medical conditions that automatically qualify you as disabled. If your condition is not one of these, Social Security will determine if it is severe enough to qualify. If it is determined to be serious enough, you will be considered invalid and your application will be approved. Otherwise, go to question four.
  4. Can you do the job you used to do? If your condition does not interfere with your ability to do the job you previously did, you will not be considered disabled. If so, go to question five.
  5. Can you do any other type of work? Finally, if you can’t do the work you used to do, Social Security will determine if you can do some other type of work. If Social Security determines that you can adapt to another suitable job, taking into account your state of health, age, education, previous work experience and other factors, you will not be considered as invalid and your request will be refused. If you cannot pay, your request will be approved.

In addition, the eligibility requirements must last at least one year or result in death.

There is a mandatory waiting period before disability benefits start to disperse.

When the payments start

Many people think that you must be disabled for a period of time before you can apply for Social Security disability benefits. This is not true. You can (and should) apply as soon as you believe you are disabled.

There is a mandatory waiting period, however, before you can receive payments. According to the SSA, you will receive benefits after your sixth full month of disability. When you start getting them, whether or not they are taxed depends on your income.

How Much Does Social Security Disability Pay Per Month?

SSDI benefit payments are based on the average earnings of each individual over their lifetime. To find out what you might get, check out SSA’s online benefit calculator.

How long does social security disability last?

Normally, unless your health improves, you will continue to receive Social Security disability benefits. As some conditions improve over time, SSA periodically reviews cases to ensure beneficiaries are still eligible.

How long after your disability is approved do you get your money back?

There is a little waiting time. Usually, it can take five months for benefits to be paid, with the first payment coming in the full sixth month after the date the SSA determined that your disability began.

So, for example, if the SSA determined that your disability began on June 15, 2022 and you applied on July 1, 2022, your first benefit would be paid for the month of December 2022.

The bottom line

You must apply for Social Security disability benefits as soon as you become disabled. The application process can take three to five months, depending on Social Security, and counts as part of the mandatory five-month waiting period after the onset of your disability.

You can apply on the Social Security website or by calling 1-800-772-1213.

About Antoine L. Cassell

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