How Much Will I Get in Social Security Disability Benefits Each Month?

If you struggle with a disability that has caused you to be unable to work, you may be experiencing a great deal of financial stress – and that’s understandable. Unfortunately, the bills don’t stop arriving when you’re disabled, and it can be very challenging to know how to continue to pay those bills while also trying to live your daily life with a difficult condition. If you find yourself in this situation, you may wonder if you should pursue a claim for disability benefits from the Social Security Administration. Let’s take a closer look at what types of benefits may be available and how much you might receive monthly.

What Benefits Are Available?

The Social Security Administration offers two types of disability benefits. Each is calculated differently and has different conditions that apply to those pursuing a claim. The two types of benefits offered by the Social Security Administration include:

• Social Security Disability Insurance: Social Security Disability Insurance, or SSDI benefits for short, are benefits that the Social Security Administration provides to approved applicants with a disability that has rendered them unable to work for one calendar year or more, and are “insured.” The Social Security Administration considers an individual to be “insured” if they worked at a job for a sufficient time and paid employment taxes from their wages into the Social Security system.

• Supplemental Security Income: Like SSDI benefits, SSI benefits are intended for those with a medical condition that has rendered them disabled for one continuous calendar year or more. To receive SSI benefits, however, an applicant does not need to be insured. Instead, they must have income and resources below a certain limit established annually by the Social Security Administration. This is because the SSI program is not funded through employment taxes like SSDI benefits, but instead, is financed from the general revenue.

The type of benefit you decide to seek will depend upon your personal circumstances. In some situations, you may seek both types of benefits, which is known as being a dual beneficiary. If you do so, though, you should be aware that there will still be a maximum monthly benefit amount that you can receive.

How Are Benefits Calculated?

Regardless of whether you decide to seek one or both types of disability benefits, it is essential to understand that each benefit has a maximum monthly benefit amount. That maximum monthly amount typically changes from year to year according to inflation and other economic factors, so consulting with an attorney regarding the maximum monthly amount at the time you seek benefits is essential.

In 2025, the maximum monthly SSDI payment that an individual can receive is $4,018. The maximum monthly SSI payment that an individual can receive in 2025 is $967 for an individual, and the maximum monthly payment for a couple is $1,450.

To calculate how much a particular individual might receive, the Social Security Administration uses a variety of formulas, some of which can be complex. Generally, however, SSDI benefits will be calculated based on an individual’s work and earnings history, while SSI benefits are calculated based on income and resource level.

It is also important to realize that, regardless of which type of benefit you pursue, the amount you receive will not be based on your particular condition or its severity. While some rare exceptions exist to this rule (such as for blind individuals), this is generally the case.

When Should You Pursue a Claim?

If you are disabled and interested in pursuing either SSDI and SSI benefits, or both, you may be wondering when you should pursue a claim. While every circumstance is different, for the most part, the answer is the sooner the better. Being disabled isn’t easy, and if you are unable to work, you likely want to begin receiving benefits as soon as possible.

If you are ready to begin pursuing a claim, you will want to take two important steps. One is to start gathering medical evidence regarding your disability, and any other documentation you think you might need. The other essential step is to contact a legal team that knows and understands the law and can guide you through the process. At American Disability Action Group, we’re here for you.

American Disability Action Group – Here For You

At American Disability Action Group, we know that our disabled clients face many challenges. Living with a disability isn’t easy. The last thing you need is to worry and wonder whether you’re doing all you can to pursue the benefits you need and protect them once you’ve received them. That’s why we’re here to help. We understand the entire disability claims process, and our talented and experienced attorneys are always here to help. If you’re ready to get started, give us a call. We look forward to speaking with you soon.