Most wages are covered earnings. To see your entire covered earnings history, you can check your annual Social Security Statement.
Check your statement by logging on to my Social Security. You can also use the benefits calculator online at www. Or, call your local Social Security office and they will be able to help you estimate what your benefits would be.
If you receive disability benefits from a private source, like a private pension or private insurance benefits, these benefits will not affect your SSDI benefits. If, however, you receive other public disability benefits, they may affect your SSDI benefits. For instance, if you were injured on the job and are receiving workers' compensation benefits, the amount of SSDI benefits you receive might be reduced.
The dollar amounts that result from the calculation are called "bend points. The easiest way to calculate SSDI benefits is to go to www. It will tell you exactly how much SSDI you will get if you become disabled this year. By the time they get an approval letter from Social Security, most disability applicants are eligible for back payments of benefits.
The number of months of back payments you'll receive will depend on when you applied for SSDI and the date the SSA decided you became disabled called your "established onset date," or EOD. In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date or your "protective filing date," discussed below —if you were disabled that long ago.
You can't get benefits for the months before your EOD again, your disability onset date. Once you are approved for benefits, there is a five-month waiting period, starting at your disability onset date, before you can be paid benefits. This means that, to receive the maximum amount of backpay going back for the 12 months before your application date , you must have an EOD of at least 17 months prior to your application date or your protective filing date.
The one exception to this rule is for ALS; claimants who have been diagnosed with ALS, or Lou Gehrig's disease, do not have a five-month waiting period. You can establish a protective filing date PFD by making a written statement to the SSA that you intend on filing for disability benefits. A PFD is also established when you begin an online application, even if you don't complete it. If you want to learn more, read our article about back payments.
Some disability payments, such as workers' compensation settlements , can reduce your SSDI benefit amount. Your benefit amount will be calculated using your covered earnings. Your SSDI monthly benefit will be based on your average covered earnings over a period of time, which is referred to as your average indexed monthly earnings AIME. This is the basic amount used to establish your benefit. The following information may be used to determine the base period for your claim.
January, February, or March: The base period is the 12 months ending last September Example: A claim beginning February 14, , uses a base period of October 1, , through September 30, April, May, or June: The base period is the 12 months ending last December Example: A claim beginning June 20, , uses a base period of January 1, , through December 31, July, August, or September: The base period is the 12 months ending last March Example: A claim beginning September 27, , uses a base period of April 1, , through March 31, October, November, or December: The base period is the 12 months ending last June Example: A claim beginning November 2, , uses a base period of July 1, , through June 30, Note: The calculator is intended to provide an estimate only.
Your actual WBA will be confirmed once your claim has been approved.
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