How Much Would I Receive In SSI Disability?

How Much Money Can You Receive From SSI Disability?

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When you are unable to work as a result of a disability, you may experience considerable financial stress. It can be overwhelming as bills continue to arrive and you worry how you’ll make ends meet and pay them all while still providing for yourself and those you love. If you find yourself in this situation, you may be wondering whether you should pursue a claim for disability benefits from the Social Security Administration. This is an understandable question and certainly these benefits can be very helpful in reducing financial stress if you are approved. Let’s take a closer look at the types of benefits available, and how much you might receive.

What Types of Benefits Are Available?

The Social Security Administration has two different disability benefit programs, and which type of benefit to seek will depend on your circumstances. They include:

  • Social Security Disability Insurance: Social Security Disability Insurance (SSDI) benefits are benefits that the Social Security Administration provides to applicants with an employment history that lasted for a significant length of time and included regular payments from the employee’s salary as employment taxes into the Social Security system. To the Social Security Administration, these individuals are considered “insured” for the purpose of receiving benefits. In addition to being “insured,” these individuals must also have a disabling medical condition that has rendered them unable to work for at least one continuous calendar year or more.
  • Supplemental Security Income: Supplemental Security Income, or SSI benefits, are also intended for applicants who have a disabling medical condition that has caused them to be unable to work for at least one continuous calendar year or more. Unlike the case with SSDI benefits, however, an individual need not be “insured” to be approved. Instead, they must have income and resources below a certain annual limit established by the Social Security Administration. This is because SSI benefits are funded through the general revenue and not through employment taxes as SSDI benefits are.

Regardless of which type of benefit you seek, it is important to understand that there is a maximum monthly amount you can receive each month. That amount typically changes from year to year in accordance with various economic factors. In 2026, the maximum amount of SSDI benefits that an individual can receive is $4,152. The maximum amount of SSI benefits that an individual can receive in 2026 is $994 for an individual, or $1,491 per couple.

How Are Benefits Calculated?

If you’re wondering how much you might receive in SSI or SSDI benefits, it’s important to understand that exact calculations will depend upon your particular circumstances. As a general rule, however it is important to remember that other than for rare exceptions, such as in the case of blindness, your particular condition (or its severity) will not affect the amount of benefits that you receive. Instead, the calculation is based on a variety of factors with work and earnings history and income and resource level being among the most important.

What Are Concurrent Benefits?

You may be considering all of this and wondering if you might be able to receive both types of benefits at the same time. This is an understandable question to ask – and the short answer is yes. This is known as receiving “concurrent” benefits. While this may sound promising, it is important to understand that even those who are receiving concurrent benefits, will not be able to receive over the maximum monthly amount.

In addition to the benefit payment you receive each month, depending on the state you live in and your particular circumstances, you may also be able to receive certain healthcare benefits, or other benefits unique to the state that you live in. Consulting with an attorney regarding the laws in your state, and your particular situation is always advised.

It’s also helpful to remember that if the benefit amount is not as much as you would ideally like to receive, you may have the possibility of returning to work in the future. If your disability begins to improve or even resolves entirely, the Social Security Administration may offer a variety of incentives as you attempt to return to work. While being disabled is never easy, recovery may be possible and a brighter chapter might be around the corner.

Muse Disability – Here For You

At Muse Disability, we are passionate about helping our disabled clients through a difficult time with the right blend of compassion and experienced legal representation that they deserve. When you trust your claim to us, you don’t have to worry about whether you’re doing all you can to protect and pursue your rights. We’ll work with you each step of the way to pursue the benefits you need, and we’ll always keep you informed and involved in your case. If you’re ready to get started, give us a call today. We look forward to helping you soon.

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