Disability Benefits Calculator
Estimate your SSDI monthly benefit and check SSI eligibility based on your work history.
Your Information
Estimated Total Monthly Benefit
$3,114
SSDI
$2,147
Likely eligibleSSI
$967
Likely eligibleSSDI
Based on your work history, you likely meet SSDI's work credit requirement.
SSI
Based on your income and assets, you may qualify for SSI.
Details
Tips
- The approval process typically takes 3-6 months; appeals can take longer.
- SGA limit: You can't earn more than $1620/month while receiving SSDI.
- Consider Ticket to Work if you want to try returning to employment without losing benefits.
Disclaimer
This is an estimate only. Disability determination involves medical evaluation and is decided by the SSA. Apply at ssa.gov/disability.
SSDI vs SSI: What's the Difference?
| Feature | SSDI | SSI |
|---|---|---|
| Based On | Work credits (payroll taxes paid) | Financial need |
| Income Limit | SGA ($1,550/mo in 2026) | $943/mo individual |
| Asset Limit | None | $2,000 individual |
| Average Benefit | $1,537/mo | $698/mo (2026 max $943) |
| Health Coverage | Medicare (after 24 months) | Medicaid (immediate) |
| Waiting Period | 5 months | None |
How SSDI Benefits Are Calculated
SSDI uses your Average Indexed Monthly Earnings (AIME) — essentially your highest 35 years of Social Security-covered earnings, adjusted for inflation. The formula applies "bend points" that replace a higher percentage of lower earnings, resulting in a progressive benefit structure. The maximum SSDI benefit in 2026 is approximately $3,822/month.
The Application Process
Apply online at ssa.gov, by phone, or at a local Social Security office. Initial approval rates are only 20-30%, but many succeed on appeal. The process can take 3-6 months for initial decisions and 12-18 months for hearings. Consider working with a disability attorney — they work on contingency (25% of back pay, capped at $7,200).
SSA — Disability Benefits→Frequently Asked Questions
How many work credits do I need?
You generally need 40 credits (about 10 years of work), with 20 earned in the last 10 years. Younger workers need fewer credits — for example, someone disabled at age 28 only needs 12 credits. You earn up to 4 credits per year.
Can I work while receiving SSDI?
Yes, through the Trial Work Period (TWP). You can test your ability to work for 9 months (not necessarily consecutive) within a 60-month period while receiving full benefits. After the TWP, you enter an Extended Period of Eligibility where benefits continue if earnings are below the SGA limit.
Related: Social Security Estimator and Medicaid Eligibility Checker.