SSDI Monthly Benefit Amounts

SSDI is based on your lifetime earnings that you’ve paid into the Social Security system through payroll taxes. The average SSDI benefit amount in 2024 is approximately $1,537 per month, but payments can range:

• Typical range: $800 – $1,800 per month
• Maximum monthly benefit (2024): $3,822 for those with high lifetime earnings

The exact amount you receive is based on your Average Indexed Monthly Earnings (AIME) and your Primary Insurance Amount (PIA), which the Social Security Administration (SSA) calculates using a complex formula.

SSI Monthly Benefit Amounts

SSI is a need-based program and is not dependent on work history. It provides a set federal benefit, which may be supplemented by your state.

• Federal base rate (2024):
• $943/month for individuals
• $1,415/month for couples

Some states offer state supplements that increase the amount you receive each month. These vary depending on the state you live in and whether you live independently, in a care facility, or with others.

Factors That Affect Monthly Payments

• Other Income: SSI benefits may be reduced if you have additional income or support.
• Living Arrangements: If someone helps pay your rent or utilities, your SSI payment could be reduced.
• State Supplements: Some states provide additional funds beyond the federal benefit.
• Cost-of-Living Adjustments (COLA): Benefits are adjusted annually based on inflation.

How to Estimate Your SSDI Payment

To get a personalized estimate:

• Create a “my Social Security” account at ssa.gov/myaccount
• Review your Earnings Record and projected benefit statements
• Use the SSDI calculator tool provided by SSA for an estimate