What is the average disability benefit amount?
By Hogan Smith
Updated 04/22/2025
If you’re applying for Social Security Disability benefits, understanding how much you might receive is an important part of planning for your financial future. The average disability benefit amount depends on whether you're applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI), and it can vary based on several factors such as your work history, earnings, and living situation.
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Understanding Average Disability Benefits
Average SSDI Benefit Amount
As of
2025, the average monthly
SSDI benefit is approximately
$1,537. However, this is just an average—your actual benefit may be higher or lower depending on your personal earnings record.
Your SSDI benefit is calculated using your
Average Indexed Monthly Earnings (AIME) and your
Primary Insurance Amount (PIA), which is a formula the Social Security Administration (SSA) uses to determine how much you’re eligible to receive based on your lifetime earnings.
Maximum SSDI Benefit
In 2025, the maximum monthly SSDI benefit is $3,822, but only individuals with very high lifetime earnings receive this amount.
Average SSI Benefit Amount
SSI is a needs-based program for people with limited income and resources.
- The federal maximum SSI payment in 2025 is $943/month for individuals and $1,415/month for couples.
- The average monthly SSI payment, however, is often lower because it can be reduced based on other income or support received. In 2025, the average SSI benefit is around $675/month.
Factors That Affect Your Benefit Amount
Several things can influence the benefit you receive:
- Your earnings history (for SSDI)
- Your current income and resources (for SSI)
- Family benefits: Spouses or dependent children may also qualify for additional payments under SSDI.
- State supplements: Some states add extra money to SSI benefits, which can increase your monthly payment.
How to Check Your Estimated Benefit
The easiest way to check your estimated benefit is to:
- Create a My Social Security account at www.ssa.gov
- Review your Earnings Statement and use the Disability Estimator Tool
- Ensure all your past earnings are correctly reported—errors can lower your future benefit
Why Knowing the Average Helps
Understanding the average disability benefit gives you a benchmark, but remember that your individual circumstances will determine your actual payment. Knowing how these averages apply to your situation helps you make informed decisions and plan accordingly.
How Hogan Smith Can Help
At Hogan Smith, we help individuals just like you understand what benefits they may be eligible for and how much they can expect to receive. We’ll help you:
- Review your SSA records for accuracy
- Understand the formulas behind SSDI and SSI
- Compare your estimate to the national average
- Maximize your potential benefits by guiding you through the application or appeals process
Contact Hogan Smith Today
Want to know where you stand compared to the average disability benefit? Contact Hogan Smith today for a free consultation. We’ll walk you through your eligibility, estimate your benefit amount, and help you take the next steps with confidence.
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