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Independent estimate · Not SSA
Disability

SSDI Benefits Calculator

Estimate a disabled-worker Social Security Disability Insurance (SSDI) monthly benefit from approximate career earnings using the same published PIA bend-point method used for retirement estimates. This does not evaluate medical eligibility.

Official Data Verification: Published SSA rule planning model
Audited against Federal Reserve Holiday Calendar
Primary Authority: Social Security Administration (SSA)
Regulatory Basis: POMS GN 02401.000 & 20 CFR § 404.1807
Transparency & Trust:Our Methodology•Official Data Sources•Editorial & Accuracy Policy•Report Correction
Earnings assumption

For a closer estimate, use career-average covered wages. Official amounts require your SSA earnings record via my Social Security.

Estimated SSDI monthly benefit

$2,213

About $26,556 / year

Approx. AIME

$4,583

Est. PIA

$2,213

Tier 1 (90%)

$1,157

Planning estimate from wage-based AIME approximation. Does not determine medical eligibility or family maximums.

Frequently asked questions

No. It only estimates a possible monthly benefit amount from approximate earnings using published PIA bend-point math. Medical eligibility is determined only by SSA.

We convert approximate annual covered earnings into an AIME-style figure, then apply the same published Primary Insurance Amount (PIA) bend points used for retirement benefit estimates.

Not necessarily. Official amounts use your full SSA earnings record, family maximums, offsets, and eligibility rules. Use my Social Security or SSA for your official figure.

Use our SSDI Payment Dates page for the birthday-based Wednesday deposit schedule that applies to most post–May 1997 Title II disability benefits.

Related tools

SSDI eligibility checkerSSDI pay chartSSDI payment datesBenefit estimatorSSI benefits calculatorAll calculators

Official Primary Data Sources

Verified against federal statutes, agency publication manuals, and Federal Reserve rules.

Schedule of Social Security Benefit Payments (SSA Pub 05-10031)
Social Security Administration

Official annual disbursement schedule detailing 2nd, 3rd, and 4th Wednesday delivery dates.

Title 20 Code of Federal Regulations § 404.1807
U.S. Government Publishing Office

Federal statutory regulation governing staggered Wednesday payments based on beneficiary birth dates.

Federal Reserve Board Financial Services Operating Holidays
Federal Reserve System

Standard banking holidays (Title 5 U.S.C. 6103) governing prior-business-day deposit shifts.

Bureau of Labor Statistics CPI-W Inflation Data
U.S. Department of Labor

Consumer Price Index for Urban Wage Earners used for statutory COLA calculations under 42 U.S.C. § 415.

Independent calculation engine reviewed monthly by policy researchers.
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