Fail-Proof Way to Figure Out How Much Disability You Could Be Making

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Are you looking for supplemental income with Social Security Benefits? Social Security disability (SSD) and Supplemental Security Income (SSI) help individuals afford to live their lives. However, SSD is for those with medical conditions that affect the ability to work.

If you have a disability, you may need to figure out how much disability money you qualify for. For example requirements needed for application, and what your payment schedule might be.

Let’s Begin.

How Much Money Do You Get on Disability?

The monthly benefit for SSD recipients depends on his or her prior earnings. Although the most you can receive from SSD per month is $3,011. However the average monthly payment in 2020 is around $1,258.

Regarding SSI, full monthly federal benefits for recipients and how much disability money you’d get remain fixed. The federal base monthly payment for SSI is $783. However, in a situation where both spouses receive SSI, the monthly payment for the couple is $1,175.

The main difference between SSD and SSDI is benefits. SSD is a program based on insured status and gaining work credits. However, you still pay taxes that are either deducted from a paycheck or paid directly through self-employment.

Since SSD is based on a work term, the amount that recipients receive will vary from case to case. For example, an individual who has typically earned $30,000 per year. First they will receive a larger benefit amount than someone who earns $20,000 per year because of salary differences. Second they will receive more because the percentage they paid into SSD taxes will be higher.

Social Security Disability Benefits Pay Chart

The Social Security Administration (SSA) uses a variety of criteria, conditions, and evaluations. For instance the level of disability is used to determine the amount applicants receive for SSD and SSI benefits. Sometimes, the SSA makes annual adjustments to their disability pay charts, with examples that include:

  • First, Cost of living adjustments to account for inflation or increased cost of living
  • Second, Substantial Gainful Activity (SGA) to define activities of work
  • Third, Student exclusions for full-time scholars with limited earnings
  • Fourth, Resource limit definition, with singles and couples receiving different amounts

Ultimately, the SSA determines how much disability money you get. However this is determined by an individual’s inability to work and they are paid benefits accordingly. Wondering if you qualify for benefits under the SSA? First look to the SSA Blue Book lists of impairments, requirements and medical conditions.  

Social Security Disability Benefits Amount

SSD benefit amounts and how much disability money received depend on the lifetime earnings of the recipient. For example, the average monthly benefit amounts for disability, widows, and retirement in 2020 are:

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  • Disability benefit average: $1,258
  • Widow’s or widower’s average benefit: $1,422
  • Average retirement benefit: $1,503

SSD benefits are calculated based on average indexed monthly earnings. For instance, they may need to have summarized up to 35 years of a recipient’s indexed earnings. However, the recipient’s primary insurance amount (PIA) is used as a basis for paid benefits amounts.

SSD Requirements

How do you determine that your disability meets SSA requirements? While your case is unique to your condition, the general requirements for Social Security disability are:

  • Your condition must be severe, classified by whether or not your condition causes interference on your activities of daily living
  • For adults, conditions must mentally or physically limit or prevent you from being able to earn a gainful income
  • For children, it’s the impact on age-appropriate daily activities
  • Your condition must last at least 12 months

When applying for SSD, a disability examiner will review your claim to help determine how much disability you will receive. The disability examiner will analyze your medical records, determine if you have a condition that meets their list of acceptable conditions, and decide if your physical and mental limitations affect your work. If the examiner finds that you can’t return to your job, you may be awarded disability benefits.

If your claim is denied, you’re not alone. Most cases are denied due to examiners determining that you can return to work, or you’re able to successfully transition to a type similar to the work you’ve done before. In order to challenge the examiner’s analysis, you can have your claim reviewed in court.

Challenging these types of assertions involves a good knowledge of your specific work history, strong familiarity with concepts such as SGA, and the various medical-vocational rules used to determine disability. Having professional representation from a disability attorney can make your appeal easier, accelerate the process, and help you win your case.

Disability Payment Schedule

SSD recipients receive payments based on their date of birth. In the case of a spouse receiving survivor’s benefits, the payment date will be based on the birth date of the deceased.

Payments are on Wednesdays, based on the following birthday schedule:

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  • Paid on the second Wednesday if the recipient’s birthday falls between the 1st and 10th
  • Third Wednesday if the recipient’s birthday falls between the 11th and 20th
  • Fourth Wednesday if the recipient’s birthday falls between the 21st and 31st
  • If your payment date happens to land on a Federal holiday, the SSA will make your payment on the nearest preceding day

SSD benefits pay on an accrual basis. For example. the payment you receive for one month represents the total amount of benefits owed for the previous month. The SSA requires three days to pass after your payment date before contacting them to report absent payments.

Hire an Attorney to Find Out How Much Disability You Can Receive

When you hire an attorney to represent you in a social security disability claim the attorney does not get paid upfront. However, they receive a portion of the past-due benefits awarded to applicants. For example, attorneys who helps an applicant win benefits early is less expensive than one hired for an appeal after a failed application.

At Dyer, Garofalo, Mann & Schultz L.P.A., our attorneys specialize in disability cases in Ohio, Indiana, and Kentucky.


Quick Answers

How Much Money Do You Get on Disability?

Although the most you can receive from SSD per month is $3,011. However the average monthly payment in 2020 is around $1,258.

Average SSA Benefits

Disability benefit average: $1,258
Widow’s or widower’s average benefit: $1,422
Average retirement benefit: $1,503

What are SSD Requirements?

Your condition must be severe, classified by whether or not your condition causes interference on your activities of daily living
For adults, conditions must mentally or physically limit or prevent you from being able to earn a gainful income
For children, it’s the impact on age-appropriate daily activities
Your condition must last at least 12 months


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