(888) 808-8831
Need Affordable Social Security Disability Insurance Lawyer Near You?
Submit your details or call at (888) 808-8831 toll free

We respect your privacy. Your information will be sent securely and handled with care.

Social Security Disability Insurance

HomeSocial Security Disability InsuranceSocial Security Disability Insurance

Social Security can understand as the foundation of economic security for millions of Americans–retirees, disabled persons, and families of retired, disabled, or deceased workers.

About 157 million Americans pay their Social Security taxes, and 56 million people collected their monthly benefits in 2012. As a result, about one household out of four receives income from Social Security.

Social Security is primarily said or referred to as a “pay-as-you-go program.”

It simply means that today’s workers pay Social Security taxes into the program, and money flows back as monthly income to beneficiaries. As a pay-as-you-go system, Social Security differs from company pensions, which are “pre-funded.”

In pre-funded retirement programs, the money is accumulated in advance to be available to be paid out to today’s workers when they retire.

The private plans need to be funded in advance to protect employees if the company enters bankruptcy or goes out of business.

The average Social Security benefit in January 2012 was:

  • $1,230 a month for retired workers
  • $1,185 a month for widows or widowers over the age of 60
  • $1,110 a month for disabled workers
  • $1,878 a month for a disabled worker, spouse and one or more young children
  • $2,487 a month for a widowed mother and two children

The maximum Social Security benefit for workers retiring at the 2012 full retirement age (66) is $2,366 monthly.

How Much Is the Disability Benefit?

The disability benefit is linked through a formula to a worker’s earnings before they became disabled. The following figures show how disability insurance benefits compare to prior earnings for a worker who became eligible for benefits in 2011.

Earnings Before Disability (Lifetime Average*)

Annual DI Benefit

% of Earnings Replaced by Benefit

$20,000 $11,544 58%
$40,000 $17,892 45%
$60,000 $23,340 39%
$106,800 $29,328 27%

*Average indexed earnings

The average benefit paid to disabled workers in June 2012 was $1,111 a month or about $13,332 yearly.

What Is Supplemental Security Income?

Supplemental Security Income (SSI) is a federal program that pays monthly benefits to low-income aged, blind, and disabled individuals.

The Social Security Administration runs the program, financed from general tax revenues, not from Social Security taxes.

The SSI test for disability for adult applicants is the same as in the Social Security disability insurance program.

Only people with low incomes and limited financial assets are eligible for SSI. The federal SSI payment in 2012 for an individual with no other countable income is $698 a month.

Payments reduce as other income rises, and some states supplement the federal payment.

In December 2011, 6.6 million low-income adults received SSI. These beneficiaries include 4.7 million adults under age 65 eligible based on disability or blindness and 1.9 million adults aged 65 and older.

Women comprise the majority of adults receiving SSI.

Important: The articles available on are neither legal advice nor a replacement for an attorney. The contents are general information and guidance concerning different legal issues. We make sure that these articles prove helpful to you, but we do not promise or guarantee that they are suitable for your condition. We also do not take responsibility for any loss that might cause to you using these articles. Hence, we strictly suggest you get expert legal advice. Consult or hire an attorney in case of any doubt.