If you are applying for Social Security Disability Insurance SSDI benefits, your payment will be based on your average earnings before you became disabled. As a form of insurance, payments are higher for those who paid more taxes on their wages before becoming disabled. Your household income or the severity of your disability does not affect your benefit amount. Your AIME is calculated using up to 35 of your working years.
The Social Security Administration SSA adds together the years with the highest indexed earnings and divides them by the total number of months for those years. Then, the average is rounded down to reach your AIME. Your PIA is the base amount of your benefits. Benefits are reduced if you claim earlier — by as much as 30 percent if you start taking them at the minimum age of Because a worker may become disabled before reaching retirement age, Social Security uses a different time frame to determine the primary insurance amount for SSDI claims.
Applying its computation rules, Social Security would use your 33 best years of income, indexed for wage trends, to figure your PIA. If your disability struck at 50, it would be your 23 highest-earning years; at 40, the top 15 years.
Still, that full payment tends to be lower for SSDI recipients than for retirees, in part because your disability can cost you higher-earning years that would boost your calculated benefit. If you have an online My Social Security account , you can check your projected retirement and disability benefit amounts.
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Once you confirm that subscription, you will regularly receive communications related to AARP volunteering. Several factors have contributed to this increase, which the Social Security Trustees and our actuaries have projected for decades. For example, baby boomers have reached their most disability-prone years and more women have joined the workforce in the past few decades, working consistently enough to qualify for benefits if they become disabled. Despite the increase, the 9 million or so people getting Social Security disability benefits represent just a small subset of Americans living with disabilities.
Social Security, along with the Office of the Inspector General, identifies and aggressively prosecutes those who commit fraud. Our zero tolerance approach has resulted in a fraud incidence rate that is a fraction of one percent. One of our most effective measures to guard against fraud is the Cooperative Disability Investigations program. Under the program, we investigate suspicious disability claims early, before making a decision to award benefits.
In effect, we proactively stop fraud before it happens. Eradicating fraud is a team effort. We need people who suspect something to say something.
If you suspect fraud, please visit the Office of the Inspector General and select Report Fraud, Waste, or Abuse or call Often, people would like to re-enter the workforce but are afraid they might lose disability benefits if they try to get a job.
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