In 2024, the maximum Social Security disability benefit for a disabled worker receiving Social Security Disability Insurance (SSDI) is $3,822 per month, according to the Social Security Administration (SSA).
How Far Back Will SSDI Cover? Minus the five-month waiting period, you should receive back payments for any delays. The maximum SSDI will provide in back payments is 12 months. Your disability would have to start 12 months before you applied to receive the maximum in SSDI benefits.
Social Security and Supplemental Security Income (SSI) benefits for more than 72.5 million Americans will increase 2.5 percent in 2025. Read more about the Social Security Cost-of-Living adjustment for 2025. The maximum amount of earnings subject to the Social Security tax (taxable maximum) will increase to $176,100.
The maximum Social Security benefit at full retirement age is $3,822 per month in 2024. It will be $4,018 a month in 2025. It's $4,873 per month in 2024 if retiring at age 70 and $2,710 if retiring at age 62. A person's Social Security benefit amount depends on earnings, full retirement age and when they take benefits.
Social Security Disability Insurance (SSDI) – The maximum payment is $3,822 a month (up from $3,627 in 2023). The maximum family benefit for SSDI is about 85% to 150% of the disabled worker's benefit. The maximum payment at full retirement age is $3,822 monthly.
In 2024, everyone receiving Social Security retirement, Social Security disability, and Supplemental Security income will see a 3.2% increase in their benefits. This means an average increase of more than $50 per month: Average monthly SSDI (2024): $1,537. Maximum monthly SSI (2024): $943.
If your spouse dies, do you get both Social Security benefits? You cannot claim your deceased spouse's benefits in addition to your own retirement benefits. Social Security only will pay one—survivor or retirement. If you qualify for both survivor and retirement benefits, you will receive whichever amount is higher.
Second Wednesday: If your birthday is from the first through the 10th, expect your payment on the second Wednesday of each month. Third Wednesday: If your birthday is from the 11th through the 20th, expect your payment on the third Wednesday of each month.
A lump-sum payment is a one-time Social Security payment that you received for prior-year benefits. For example, when someone is granted disability benefits they'll receive a lump sum to cover the entire time since they first applied for disability. This period could cover months or years.
Many claimants receive their payment near the time they are told it will arrive. On average, your first payment should arrive within 30 to 45 days after you receive notice your claims was approved. Some people even see a payment was deposited in their account before they received their approval notice!
Maximum SSDI Benefit 2024
The exact 2024 maximum benefit is $3,822. This benefit is determined by the Social Security Administration (SSA) based on inflation and other economic factors. It's important to note that most SSDI recipients receive less than the maximum benefit.
What Is a 100% Disability Rating? A 100 percent disability rating, or total disability rating, is the highest rating VA can assign for service-connected compensation purposes. VA reserves this rating for veterans with extremely debilitating service-connected conditions.
The Social Security 5-year rule refers specifically to disability benefits. It requires that you must have worked five out of the last ten years immediately before your disability onset to qualify for Social Security Disability Insurance (SSDI).
Each survivor benefit can be up to 100% of your benefit. The amount may be reduced if the women start benefits before their own full retirement age, but they don't have to share — the amount isn't reduced because you've had more than one spouse.
An adult child can't inherit the benefits. Only adult children with disabilities can receive Social Security benefits after their parents die. The amount of the monthly benefit payment is based on the parent's contributions in the form of SSA taxes (OASDI).
Receiving SSI and SSDI while working
But the benefit amount you receive may be reduced depending on how much money you earn from your job. As of 2024, you may stop receiving SSDI benefits if you earn over $1,550 a month. But your eligibility to receive SSI while working will depend on which state you live in.
The latest such increase, 2.5 percent, becomes effective January 2025. The monthly maximum Federal amounts for 2025 are $967 for an eligible individual, $1,450 for an eligible individual with an eligible spouse, and $484 for an essential person.
Your SSDI monthly benefit will be based on your average covered earnings over a period of time, which is referred to as your average indexed monthly earnings (AIME). The SSA uses these amounts in a formula to determine your primary insurance amount (PIA). This is the basic amount used to establish your benefit.
In 2024, the maximum SSDI benefit is $3,822 per month. Most veterans receive less than this amount, however. The average SSDI benefit for veterans under 62 is $1,512 per month. Your specific benefit depends on how much you've paid into Social Security over your working years.
Rules for Disability Benefits
The family maximum for a disabled worker is 85 percent of the worker's average indexed monthly earnings ( AIME ), a measure of lifetime earnings. However, the family maximum for a disabled worker's family cannot be more than 150 percent or less than 100 percent of his or her PIA .