Disability Calculator

Category: Other Finance
- June 11, 2025
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Estimate your potential disability benefits based on your income, work history, and disability situation. This calculator provides estimates for Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits.

Personal Information

SSDI
SSI

SSDI Calculation Factors

$

Work Credits

For SSDI eligibility, you generally need 40 work credits, with 20 earned in the last 10 years. Younger workers may qualify with fewer credits.

SSI Eligibility Factors

$
$

Disability Details

Display Options

About Disability Benefits

The Social Security Administration manages two disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Each program has different eligibility requirements and benefit calculations.

SSDI Program
  • Eligibility: Based on work history and disability severity
  • Work Credits: Generally need 40 credits, 20 of which earned in the last 10 years
  • Benefit Amount: Based on your average lifetime earnings
  • Waiting Period: 5-month waiting period before benefits begin
  • Medicare: Eligible for Medicare after receiving SSDI for 24 months
SSI Program
  • Eligibility: Based on financial need, limited income, and resources
  • Work History: No work history required
  • Benefit Amount: Based on Federal Benefit Rate minus countable income
  • Resource Limits: $2,000 for individuals, $3,000 for couples
  • Medicaid: SSI recipients typically qualify for Medicaid automatically
Important Notes

This calculator provides estimates based on current benefit rates and rules. Your actual benefit may vary based on your specific situation and the SSA's determination of your disability status.

For the most accurate information about your potential disability benefits, contact the Social Security Administration or consult with a disability attorney or advocate.

What Is the Disability Benefit Calculator?

The Disability Benefit Calculator is a free tool that helps estimate your potential monthly and annual disability payments under two federal programmes: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). This tool is ideal for individuals looking to understand how their income, work history, and living situation might impact their eligibility and benefit amounts.

Whether you're trying to calculate payments for long-term planning or simply checking eligibility for support, this calculator offers quick insights. It's similar in concept to a payment planning tool or a monthly payment estimator, providing a clear breakdown of what you might expect in Financial assistance.

Key Features

  • Estimates monthly and annual disability benefit payments
  • Evaluates both SSDI and SSI eligibility in one tool
  • Customises results based on age, income, work credits, and disability duration
  • Includes detailed eligibility feedback and calculation steps (optional)
  • Helpful for income replacement planning and understanding benefit limits

How to Use the Calculator

  1. Enter your age and select your full Retirement age.
  2. Choose either SSDI or SSI from the tabs based on your circumstances.
  3. Fill in the necessary details such as income, years worked, or assets.
  4. Select the type and expected duration of your disability.
  5. Click “Calculate Benefits” to view your monthly benefit estimate and Other important data.
  6. Optional: Check “Show detailed calculation” to view a step-by-step breakdown.

SSDI Benefit Formula

The calculator uses a formula based on the Social Security Administration’s standard method for SSDI, known as the Primary Insurance Amount (PIA) formula.

\( \text{PIA} = 90\% \times \text{First Bend Point} + 32\% \times (\text{AIME} - \text{First Bend Point}) + 15\% \times (\text{AIME} - \text{Second Bend Point}) \)

Here, AIME (Average Indexed Monthly Earnings) is calculated by dividing your pre-disability annual income by 12. The formula adjusts as your income crosses specific thresholds (bend points). Your benefit is capped by the annual maximum set by SSA.

Why This Calculator Is Useful

Understanding your financial future is important—especially if you’re dealing with a disability. This calculator gives you an early, clear look at whether you might qualify for SSDI or SSI and how much support you could receive.

Just like a payment estimator or a loan payment breakdown, this tool helps you make informed decisions. It’s particularly helpful in planning for long-term care, tracking monthly payment estimates, and ensuring you meet the basic requirements before applying.

Frequently Asked Questions

Who should use this calculator?

Anyone aged 18 to 65 considering applying for Social Security disability benefits, or just planning ahead for potential income loss due to disability.

Does this replace professional advice?

No. While it's a valuable planning tool, you should consult the Social Security Administration or a disability attorney for personalised advice.

Can this calculator tell me if I’m eligible?

It provides an eligibility assessment based on your input, but only the SSA can make the final determination.

What’s the difference between SSDI and SSI?

  • SSDI: Based on your work history and earnings
  • SSI: Based on financial need and living situation, with no work requirement

What if my income or living arrangement changes?

You can re-use the calculator anytime to update your inputs and receive a new estimate. This makes it a practical payment planning tool and income projection aid.

Is this calculator like other online tools?

Yes, it's similar to a commission estimator, Income Tax Calculator, or monthly payment tool in the sense that it gives you a personalised financial outlook based on real inputs.

Take Control of Your Financial Future

Whether you're planning for short-term needs or long-term support, this disability calculator simplifies the process. Use it to get a clearer picture of how disability benefits might impact your financial life, and compare results like you would with a loan payment estimate or payroll deduction tool.

For individuals exploring their options, it’s a helpful, fast, and informative way to estimate your benefits—so you can focus more on planning, and less on guessing.