Workers who suffer a disability can receive Social Security Disability benefits under certain conditions. Their employment history determines the amount of their benefits.
American workers can receive Social Security Disability if their disability prevents them from working and it lasts one year or leads to death. Benefit payments depend on work and salary history. A longer work history translates into higher monthly benefits.
Eligible recipients have to work a certain number of years and pay Social Security withholding taxes. There are exceptions, however. The spouse, ex-spouse, children, and other family members of a worker who paid Social Security taxes may be eligible for benefits.
The average monthly benefit is $1,358. Most monthly benefits are $800 to $1,800. The maximum benefit is approximately $3,100 per month.
Benefits for approximately two-thirds of SSDI recipients are below the average monthly payment. Only 10% of recipients receive at least $2,000 per month. The average monthly benefit for SSDI recipients with a spouse and children is $2,383 in 2022.
Eligible couples receive $1,261.
SSDI and other Social Security benefits will be increased next year with the highest cost of living adjustment in over 40 years. The 2023 COLA should be around 8.7% according to the latest estimate.
Supplemental Security Income
Individuals who never worked and are ineligible for an SSDI exception may qualify for Supplemental Security Income benefits. Adults and children with a disability or blindness can receive SSI benefits if they meet specific income and resource standards. SSI, unlike SSDI, is not funded by Social Security.
Eligibility for these programs is complicated. Attorneys can assist claimants with gathering and presenting important evidence and appeal denials.