For people unable to work because of a well being situation or incapacity, two main kinds of federal incapacity advantages can be found: Social Safety Incapacity Insurance coverage (SSDI) and Supplemental Safety Revenue (SSI). The important thing distinction between the 2 lies in work historical past.
SSDI is geared towards those that have labored for years and contributed to Social Safety taxes however can now not work because of a incapacity. However, SSI is out there for low-income people with little or no work historical past, who’re additionally unable to work because of a medical situation.
The Social Safety Administration (SSA) manages each advantages. As of 2022, about 7.9 million disabled staff obtain SSDI, whereas SSI assists roughly 6.5 million individuals.
Common Incapacity Advantages
The typical month-to-month SSDI profit for disabled staff is $1,483.10, although it might probably go as much as a most of $3,822 in 2024. SSI advantages, as compared, are a lot decrease, averaging round $600.74 month-to-month, with a most of $943 for 2024. These advantages, whereas useful, are sometimes not sufficient to cowl primary dwelling bills. A examine by Atticus revealed that SSDI not often covers half of the dwelling prices, and SSI accounts for lower than one-third, no matter the place somebody lives within the U.S.
As of October 2023, the common month-to-month SSDI fee was $1,665.14. Funds are calculated based mostly on a person’s lifetime earnings and the Social Safety taxes they’ve paid. In keeping with a 2022 report, Delaware had the very best SSDI fee common at $1,599.97, whereas the District of Columbia recorded the bottom at $1,321.04.
SSDI funds by State
This is the entire SSDI common month-to-month fee by state desk, as of 2022:
Alabama $1,454.98
Alaska $1,473.09
Arizona $1,542.92
Arkansas $1,415.43
California $1,524.99
Colorado $1,497.71
Connecticut $1,549.41
Delaware $1,599.97
District of Columbia $1,321.04
Florida $1,521.74
Georgia $1,485.38
Hawaii $1,532.11
Idaho $1,456.79
Illinois $1,495.07
Indiana $1,480.12
Iowa $1,412.23
Kansas $1,439.17
Kentucky $1,446.53
Louisiana $1,421.25
Maine $1,395.33
Maryland $1,542.21
Massachusetts $1,493.30
Michigan $1,508.94
Minnesota $1,475.73
Mississippi $1,416.49
Missouri $1,441.07
Montana $1,407.08
Nebraska $1,391.82
Nevada $1,562.44
New Hampshire $1,528.42
New Jersey $1,648.06
New Mexico $1,398.19
New York $1,540.57
North Carolina $1,483.98
North Dakota $1,388.96
Ohio $1,422.89
Oklahoma $1,423.04
Oregon $1,459.64
Pennsylvania $1,493.44
Rhode Island $1,464.35
South Carolina $1,512.46
South Dakota $1,391.16
Tennessee $1,446.63
Texas $1,463.70
Utah $1,473.63
Vermont $1,398.34
Virginia $1,497.40
Washington $1,494.32
West Virginia $1,465.15
Wisconsin $1,460.01
Wyoming $1,485.89
How SSDI is calculated
The SSA determines SSDI advantages by inspecting your highest-earning 35 years, adjusting for inflation, and making use of percentages to calculate your **Main Insurance coverage Quantity (PIA)**. The method for 2024 contains 90% of the primary $1,174 of earnings, 32% between $1,174 and $7,078, and 15% past that. This calculation ensures that people with decrease lifetime earnings obtain proportionally increased SSDI funds.
