If you’re a person living with a permanent disability, you may want to know what your monthly income would look like under Social Security. The maximum monthly payment under Social Security Disability Insurance (SSDI) is over $2,600, with the average being closer to $1000. SSDI payments are determined by work history, and can vary significantly from person to person.
Likewise, if you had little to no income before becoming disabled, then you may not be eligible for SSDI. You may instead receive Supplemental Security Income, a needs-based program available to those who have a qualifying disability, but lack the work history needed to draw from SSDI. This program pays a federal minimum of $750 per month, and recipients may lose eligibility if they have too much in cash or assets.
In addition to these programs, which pay benefits in cash, you may be eligible for other forms of assistance. Depending on your financial situation, you may qualify for housing assistance and food stamps. If your final SSDI or SSI payment is very low, then these programs may be essential for your quality of life.
If you receive SSDI or SSI, you will automatically receive health coverage. SSDI recipients will receive Medicare after two years, and SSI recipients will receive Medicaid immediately.
Some people may find it hard to adapt to these new income levels when they become unable to work. The amount of your disability payment may not be negotiable, but that doesn’t mean that you should accept your benefits package as-is. If you think your benefit amounts under Social Security may have been miscalculated, or if you think you’ve been unfairly denied benefits, you may want to contact a disability attorney.