for Disabled Workers
If you are a disabled worker, your Social Security Disability benefit is determined by your earnings record and your age when you become disabled. These factors form the basis for calculating your benefit. Your disability benefit will be the same amount as it would be if you were at full retirement age; that is, your benefit will not be reduced. When you apply for disability, the Social Security Administration can estimate the amount your benefit will be if you are approved. If you are an older worker, you can also consult the earnings statement of Social Security wages that the Administration sent out a few years ago.
Disability Payments for Disabled Adult Children
If you are a disabled adult child, your benefit is determined by your parent’s earnings record, the family maximum amount, and the number of other dependents or survivors receiving benefits on the same record.
Disability Payments for Disabled Widows, Widowers, and Surviving Divorced Spouses
If you are approved for disabled widows, widowers, or disabled surviving divorced spouses’ benefits, then your benefit amount is based on the family maximum amounts for survivors on your deceased spouse’s earnings record and the age you became disabled. The older you are when you become disabled, the higher the benefit. As in the case of a disabled adult child, if you are a widow or a widower, your benefit also depends on the number of people drawing benefits on the account. However, disabled surviving divorced spouses are paid outside the family maximum, and their benefit is not affected by, and does it not affect, amounts paid to other dependents on the record. When you apply for disability, the Social Security Administration can estimate the amount your benefit will be if you are approved.
For more information about what it takes for a disabled adult child or disabled widow, widower, or surviving divorced spouse to get a Social Security Disability benefit, please see our articles “Who Are the Four Groups of People Who May Meet the Requirements for Eligibility for Social Security Disability?” and “What Is Disability According to Social Security Laws?”