In 2024, the maximum Social Security disability benefit for a disabled worker receiving Social Security Disability Insurance (SSDI) is $3,822 per month, according to the Social Security Administration (SSA). That figure is expected to rise in 2025 due to a cost of living adjustment (COLA).
However, average benefits are much lower. On average, a disabled worker will receive $1,537 per month from the SSA in 2024, and the estimated average monthly benefit payable to a disabled worker and their family is $2,720.
Family members who may be eligible to receive a monthly benefit of up to 50% of a disabled worker’s benefit include a spouse, divorced spouse, children, and/or an adult child disabled before age 22. The total amount that a disabled worker and their family can receive is about 150% to 180% of the disabled worker’s benefit.
This benefit is based on a worker’s average lifetime earnings, not on the severity of an individual’s disability.
If you’ve kept your annual Social Security statement that you receive in the mail, you can find what you are likely to receive on the first page. The SSA mails these paper statements beginning three months before your 60th birthday, unless you have an online “my Social Security” account. You can access this account at any age to assess your earnings and estimated benefits. The SSA also has a set of calculators that can help you estimate your benefits.