Disability Benefits Estimator

Estimate Social Security Disability Insurance (SSDI) benefits based on earnings history. Uses simplified PIA bend point calculation.

Legal Disclaimer

This calculator provides general estimates only and does not constitute legal advice. Laws, regulations, and court procedures vary significantly by jurisdiction. Consult a licensed attorney in your area for advice specific to your situation.

Inputs

Average Monthly Earnings

Years Worked

years

Current Age

Filing Status

Tab to move between fields

Results

Est. Monthly Benefit

$1,412.35

≈ 11 pairs of sneakers

Est. Annual Benefit$16,948.18

Maximum Benefit2026 max SSDI: $4,152/month

Income Replacement35.3%

Figures current as of 2026. Source: SSA 2026 COLA Fact Sheet (Oct 24, 2025) (SSDI PIA cap = FRA max)

How to Use This Calculator

Enter your Annual Income and the disability onset date.
Set disability type (short-term or long-term) and benefit percentage.
Review estimated monthly disability benefit amounts.
Check duration limits for your policy type.
Compare against your living expenses to assess coverage adequacy.

How the result changes with Average Monthly Earnings

Average Monthly Earnings	Est. Monthly Benefit
$5,000.00	$1,595.21
$17,500.00	$3,384.18
$32,500.00	$4,152.00
$45,000.00	$4,152.00

What each input means

Average Monthly Earnings: Average indexed monthly earnings over your career.
Years Worked: Total number of years of work experience.
Current Age: Age in years.
Filing Status: Your tax filing status.

How this is calculated

Worked example, using the default values

Identify Input Parameters
4 parameters
Average Monthly Earnings = 4000, Years Worked = 20, Current Age = 50, Filing Status = 0 = 4 input(s) provided
Calculate Est. Monthly Benefit
Est. Monthly Benefit
1412.35 = $1,412.35
Calculate Est. Annual Benefit
Est. Annual Benefit
16948.18 = $16,948.18
Calculate Maximum Benefit
Maximum Benefit = min(PIA, statutory SSDI maximum)
2026 max SSDI: $4,152/month = 2026 max SSDI: $4,152/month

Figures and sources

2026 maximum monthly SSDI benefit (2026) — SSA 2026 COLA Fact Sheet (Oct 24, 2025) (SSDI PIA cap = FRA max)

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