How to Find Your Estimated Social Security Disability Benefit

Are you considering applying for Social Security Disability Insurance (SSDI) benefits? One of the first questions on your mind may be, “How much will I receive each month?” Understanding your estimated benefit amount is important for financial planning. Here’s how to find your estimated Social Security Disability Insurance benefit.

Pro Tip: It is best to obtain your Social Security Statement (as set forth below) before you file for disability benefits. Your ability to receive a disability estimate or to generate a current statement may be “frozen” if you have an active disability claim, which means you would not be able to see the estimate or generate a current statement.

Option 1: Set Up a My Social Security Account

The easiest and most accurate way to find your estimated SSDI benefit is through your My Social Security account. Here’s how to set it up:

• Visit the SSA official website.
• Create an account or log in if you already have one.
• Verify your identity with personal and financial information.
• Once you are logged in, access your Social Security Statement.

Your statement includes an estimate of your monthly SSDI benefit if you were to become disabled right now. It also shows your estimated retirement benefits and survivor benefits for your family members.

Option 2: Use the SSA’s Online Benefits Calculator

If you don’t want to create an online account, you can use the SSA’s Benefits Calculators. You enter your earnings information to estimate your SSDI benefit. Options include:

• Quick Calculator: A simple tool for a rough estimate based on your current earnings.
• Detailed Calculator: A more comprehensive option that requires your full earnings history.

Understanding How SSDI Benefits Are Calculated

SSDI benefits are based on your work history and earnings, not the severity of your disability. The Social Security Administration (SSA) uses your Average Indexed Monthly Earnings (AIME) over your working years to calculate your Primary Insurance Amount (PIA). Your PIA is the base amount for your monthly SSDI benefit.

Your PIA is calculated using a formula that applies different percentages (bend points) to portions of your AIME. While this formula can seem complex, the good news is that the SSA provides tools to simplify the process.

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Check Your Earnings Record

Your SSDI benefits are based on the earnings you reported to the SSA throughout your working life. Check your earnings record carefully to make sure there are no errors. Missing earnings could lower your estimated benefit, so report any discrepancies immediately.

Other Factors That Can Affect Your Benefit Amount

While your estimated SSDI benefit is based on your work history, several factors can affect the final amount:

• Cost of Living Adjustments (COLA): Your benefit may increase over time due to adjustments for inflation.
• Family Benefits: If you have dependents, they may also qualify for benefits.
• Offsets: Certain sources of income, such as workers’ compensation, may reduce your SSDI.

When to Contact a Disability Lawyer

When you’ve reviewed your estimated SSDI benefit and are ready to file your application, or if you have questions about eligibility, an experienced disability attorney can help. Applying for SSDI can be a complicated process, and even small errors on your application can lead to delays or denials.

Call the Ortiz Law Firm for Help with Your SSDI Claim

Understanding your potential SSDI benefits is just the first step. At the Ortiz Law Firm, we specialize in helping applicants secure the benefits they deserve. Whether you’re planning to apply, appealing a denial, or preparing for a hearing, we’re here to guide you every step of the way. Contact us today to discuss your case and learn how we can help you maximize your benefits.