Overview of Disability

Disability Back Pay

Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

How Does Social Security Decide How Much I Get For Social Security Disability or SSI?

How much can an individual receive from social security disability or from SSI disability?

The amount of a disability beneficiaryís benefits depends upon which disability program they receive their disability benefits from. Social Security disability beneficiaries (this is the title II benefit program) receive a benefit that is based upon the work they performed prior to becoming disabled. And with SSD there is no maximum primary disability benefit amount an individual can get.

In other words, your SSD monthly benefit has no cap and is simply dependent on what your earnings were before you began to receive disability benefits.

There is a maximum amount of earnings per year that can be counted toward an individualís benefit computation and that is tied into the amount of Social Security taxable earnings allowed each year.

Having said that, Social Security disability beneficiaries, as was previously stated, receive a benefit that is directly related to how much they have earned. Social Security benefit computations are, to some extent, geared toward those who have low earnings, or have not worked much, which means that the computation formula works to some consideration to those who have worked fewer years or have lower earnings.

However, this is done so as not to put certain disabled workers at an extreme disadvantage, and it does not disadvantage those who have worked longer or earned more.

Earnings determine Social Security disability benefits, so what if an individual becomes disabled and they have no earnings at all? Social Security has a disability program for individuals who are not insured for Social Security disability. It is the SSI program.

Supplemental Security Income (SSI) is a need-based disability program that does not require that a person to have ever worked. It benefits minor-age children, individuals who have not worked (stay at home parents and caretakers would be part of this group), as well as individuals who were previously covered by social security disability but who have lost their eligibility due to being out of the work force for an extended length of time.

SSI is strictly based upon need. Consequently, there is a limit to the amount that SSI disability beneficiaries receive. Each year, Social Security determines a maximum monthly amount an SSI disability beneficiary can get. That maximum amount can be reduced when by an individualís earnings, pension benefits, unemployment, or other sources of income, and by an individualís living arrangement.

You may be wondering why your living arrangements would affect how much you get for disability within the SSI disability program. SSI disability beneficiaries must be paying their fair share of household bills to receive the full amount of their SSI disability. Apparently, it was determined that an individual not paying their share of the household bills does not need as much help to survive.

Basically, because someone is subsidizing them by paying most of the bills needed to provide them with food and shelter. So if you get SSI disability, your disability benefit amount may be reduced if you have income or help from family, friends, etc.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

How does Social Security Decide if I am Disabled?
How Does Social Security Decide How Much I Get For Social Security Disability or SSI?
How Will Social Security Decide a Disability Case that's filed?
Who will decide my Social Security disability claim?
Does Your Doctor Decide If You Get Disability Benefits from Social Security or SSI?
How does Social Security Disability Decide if you can Work or Not?
How does Social Security use Evidence to Decide an SSDI or SSI Disability Claim and Make a Decision?
If I apply for disability and my doctor says I am disabled, is there a waiting period?

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Filing for disability - How to file for SSD or SSI and the Information that is needed by Social Security
How to Apply for Disability - What medical conditions can you apply and qualify for?
Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?
What happens if I file a disability application and it is denied by a disability examiner or Judge?
How to Prove you are disabled and qualify to win disability benefits
How do you prove your disability case if you have a mental condition or impairment?
Social Security Disability Back pay and How Long it Takes to Qualify for it and receive it
Social Security Disability SSI - Eligibility Requirements and Qualifications Criteria