How Much Money Does SSDI Benefits Pay in Charleston?

If a medical condition is making it impossible for you to work, monthly checks from Social Security Disability could save you from financial ruin.

When you’re applying or appealing for benefits, this is probably one of your first questions: How much money can I get?

The answer depends on your past work history, income level and the type of benefits you receive — Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).

The Robertson Wendt Disability — Finkel Law Firm LLC can help you determine what to expect. It costs you nothing for us to study your situation.

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How Much of My Past Income Does SSDI Cover?

If you’re like most people, you probably depended on your entire paycheck to cover all of your expenses.

You need to understand something about Social Security Disability: It’s not set up to completely replace your income.

Instead, it’s designed to make sure you can afford basic needs, like food on the table and reliable housing, after health problems force you from work.

So Social Security Disability Insurance (SSDI) only pays a percentage of what you made when you were still able to work.

The exact amount will depend on your prior work and salary history, and how much you paid into the SSDI program over the years — or decades — that you worked.

The formula is complicated, but here’s a general idea of how much people get:

  • As of late 2017, the average monthly SSDI benefit was $1,173.
  • Social Security set the maximum possible benefit at $2,788 for 2018.

Never forget that you did pay into the system with every paycheck. SSDI is a government-run insurance program. The reason it exists is to help when health problems stop you from working before you reach retirement age. You’ve earned these benefits.

For an estimate on how much you could receive in your particular situation, contact us today.

How Much Do I Get With SSI?

Supplemental Security Income (SSI), meanwhile, is not an insurance program that you paid into like SSDI. SSI is an assistance program for people with limited income, work history and financial means.

It’s also run by Social Security. And it’s also for people with health problems that keep them from working.

But your income history doesn’t determine the amount you receive under SSI.

SSI pays the same amount for everyone. The amount gradually changes over time. Here are three recent years of SSI monthly payments:


  • — Individual: $733
  • — Eligible couple: $1,100


  • — Individual: $735
  • — Eligible couple: $1,103


  • — Individual: $750
  • — Eligible couple: $1,125

To qualify for SSI, your income has to fall below certain levels. If you have some income but still qualify for benefits, Social Security will reduce the amount you receive, based on your income.

Can Members of My Family Get SSDI Benefits, Too?

Social Security provides payments for spouses and children of workers who qualified for SSDI benefits.

The amounts that family members can receive — including widows, widowers and adult children with disabilities — depend on how much the worker with a qualifying disability worked and earned.

In late 2017, spouses of workers with disabilities received an average of about $329 per month, according to SSA numbers. Children of workers with disabilities received an average of $358 per month.

If your spouse — or someone who was a parent to your dependent child — died while seeking disability benefits, you also may still be able to collect benefits based on their record, as long as Social Security determines they should have received benefits during their lifetime.

Don’t let this money drain through the cracks. The Robertson Wendt Disability — Finkel Law Firm LLC can make sure you get all the benefits available to you.

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Get Help Winning Disability Benefits

Social Security’s own numbers have shown your chances of winning benefits are better when you work with a lawyer.

The Robertson Wendt Disability — Finkel Law Firm LLC has decades of experience helping people in Charleston and around South Carolina.

Better yet, you don’t pay any attorney fee unless you win.

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