How SSDI Benefits Are Calculated

SSDI benefits are based on your average lifetime earnings before you became disabled. The Social Security Administration (SSA) uses a formula that considers your work history and the amount you paid into Social Security through payroll taxes. The benefit amount is designed to replace a portion of your income lost due to disability.

It is important to note that SSDI benefits are not state-specific in terms of maximum amounts. However, the amount you receive can vary widely depending on your earnings record.

Maximum SSDI Benefit in Kentucky

As of 2024, the maximum SSDI benefit amount nationwide is $3,627 per month. This maximum applies to all states, including Kentucky. However, most recipients receive less than this maximum because the benefit is calculated based on individual earnings history.

Kentucky residents who qualify for SSDI will receive benefits according to the SSA’s national guidelines, which means the maximum monthly benefit is the same as in other states. The actual amount will depend on your average indexed monthly earnings (AIME).

Factors That Affect Your SSDI Benefit Amount

• Work history and earnings: Higher lifetime earnings generally result in higher benefits.
• Cost-of-living adjustments (COLA): SSDI benefits may increase annually based on inflation.
• Other benefits: Receiving certain other benefits, such as workers’ compensation, may reduce your SSDI payment.

How to Find Your Estimated SSDI Benefit

You can estimate your SSDI benefits by:

• Visiting the SSA website and using the Social Security Disability Benefits Calculator.
• Creating an account on my Social Security to view your earnings record and benefit estimates.