Disability Benefits Calculator

Estimate SSDI (Social Security Disability Insurance) benefits using PIA formula with 2024 bend points, work credit eligibility, and family benefits. Free, fast, and private — runs entirely in your browser.

Your Information

Current Age

Average Monthly Earnings (Last 10 Years)

Years Worked

Filing Status

Other Monthly Income ($)

Workers comp, pensions, etc.

✓

Likely Eligible for SSDI

✓ General work requirement (minimum 5 years): 20 years worked

✓ Recent work test (worked recently enough)

✓ Duration of work test (sufficient lifetime work credits)

Estimated Monthly SSDI Benefit

$1,595.00

Based on 2024 bend points and PIA formula

AIME

$2,857.00

per month

PIA

$1,595.10

per month

Annual Benefit

$19,140

per year

Income Replacement

31.9%

of prior earnings

PIA Calculation Breakdown (2024 Bend Points)

90% of First $1,174$1,174.00 AIME

$1,056.60

32% of $1,174 - $7,078$1,683.00 AIME

$538.56

15% of Over $7,078$0.00 AIME

$0.00

Total PIA$1,595.10

SSDI vs SSI Comparison

SSDI (Your Estimate)

$1,595.00

per month

Based on work history
Medicare after 24 months
5-month waiting period
Can convert to retirement at FRA

SSI Maximum (2024)

$943.00

per month

Needs-based (limited assets)
Medicaid eligibility
No waiting period
$2,000 asset limit (individual)

Your estimated SSDI benefit is $652.00 more per month than the maximum SSI benefit.

5-Month Waiting Period

SSDI benefits do not begin until 5 full months after the established disability onset date. During this waiting period, you would forgo approximately:

$7,975

5 months x $1,595.00/month

Estimated Benefits by Earnings Level

Earner Type	Monthly Earnings	AIME	Est. Monthly Benefit	Replacement Rate
Low Earner	$2,000	$1,142	$1,027.00	51.3%
Average Earner	$4,000	$2,285	$1,412.00	35.3%
Above Average	$6,000	$3,428	$1,777.00	29.6%
High Earner	$8,000	$4,571	$2,143.00	26.8%
Maximum Taxable	$10,000	$5,714	$2,509.00	25.1%

All estimates assume 20 years of work history. Actual benefits depend on individual earnings record.

Important Disclaimer

This is an estimate only. Actual SSDI benefits are calculated by the Social Security Administration (SSA) based on your complete earnings record. Many factors can affect your actual benefit amount, including cost-of-living adjustments, other income offsets, and individual circumstances. Contact the SSA at 1-800-772-1213 or visit ssa.gov for your exact benefit calculation.

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How to Use Disability Benefits Calculator

1Enter your average annual earnings.
2Set your age and years of work history.
3View your estimated monthly SSDI benefit.
4Check eligibility based on work credits.

Frequently Asked Questions

How are SSDI benefits calculated?▾

SSDI uses your Average Indexed Monthly Earnings (AIME) and the Primary Insurance Amount (PIA) formula with bend points to determine your monthly benefit.

How many work credits do I need?▾

Generally you need 40 credits (10 years of work), with 20 earned in the last 10 years. Younger workers may qualify with fewer credits.

Is this calculator free?▾

Yes, completely free with no sign-up required. All calculations run in your browser.

How accurate is this estimate?▾

Uses the current PIA formula and bend points. For an official estimate, check your Social Security statement at ssa.gov.

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About Disability Benefits Calculator

NexTool's Disability Benefits Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.