Social Security Disability Benefit Calculator
Calculate SSDI benefits based on work history and earnings.
PIA Calculation (2024 Bend Points)
AIME:$ 4000
First Bend:$ 1174
Second Bend:$ 7078
PIA formula: 90% of first $1,174 + 32% up to $7,078 + 15% above.
Monthly Benefit
Primary Insurance Amount:$ 1961
Monthly SSDI:$ 1961
Annual Benefit:$ 23531
Max Family:$ 2941
Eligibility Status
Recent Quarters Needed:20
Quarters Earned:80
Total Quarters Needed:34
✓ Eligible for SSDI benefits
Benefit Timeline
5-Month Wait:5 months
Medicare Eligible:Month 24 (Year 2028)
Converts to Retirement:Age 65
SSDI automatically converts to retirement benefits at Full Retirement Age (65 for disability recipients).
Return to Work Rules
Trial Work Period:9 months
Extended Period:36 months
Trial work: earn any amount for 9 months. Extended: benefits continue if earnings below substantial gainful activity level.
SSDI Key Points
- Must be unable to work for at least 12 months or condition terminal
- 5-month waiting period before first payment
- Medicare after 24 months on SSDI
- Need 20 quarters in last 10 years (ages 31+)
- Benefits convert to retirement at FRA (age 65 for SSDI)
- Trial work period allows testing return to work
- Substantial gainful activity: $1,550/month (2024, non-blind)