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    Can’t Work Because of Your Health? Get Financial Relief.

    You’ve worked your whole life. Then a health crisis hits, and you find yourself unable to do the job. It can take a toll on your well-being from every angle.

    That includes wreaking havoc on your bank account. Without a steady paycheck, bills pile up. And so does stress.

    Social Security offers folks in your spot a merciful safety net: disability benefits.

    If you can prove your medical condition makes working impossible, you can get a monthly check, even access to Medicare or Medicaid. It’s a game-changer for you and your family’s finances.

    How much you get in disability benefits depends on several variables: which type of benefits you receive, your past work and income history, and any other sources of income you have.

    If you’re in Charleston, Columbia or anywhere in South Carolina, you can find out more about your individual situation by talking to the disability attorney team at Robertson Wendt Disability.

    Robertson Wendt is one of only a few board-certified disability lawyers and the most experienced in the state.

    See below for more about how they calculate Social Security Disability benefits. Or give us a call to get started on your claim.

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    How Are Social Security Disability Benefits Calculated?

    When an illness has derailed your working life, you have to reassess everything. That includes your monthly expenses. You want to know when you apply for Social Security Disability, just what you can expect financially.

    There are several types of disability benefits run by Social Security. Which one you qualify for depends on your situation.
    Social Security Disability Insurance (SSDI) is for people who have a work history and paid a qualifying amount into Social Security. It’s calculated based on what you’ve earned and paid in taxes over the years. It tends to pay a lot more than SSI.

    Supplemental Security Income (SSI) is for people whose health conditions have kept them from working much, if at all. You also must have limited financial resources for SSI. The government has a standard rate for everyone who gets SSI, but it can reduce your monthly amount if you have some types of income.

    Disabled Widow/Widower Benefits (DWB) are payable on the work record of your deceased spouse, provided you are age 50 through 59 and you developed a disability within seven years of your spouse’s death.

    Children’s Disability Benefits (CDB) is for disabled adult children with long-term disabilities which began before age 22, are not married, and are dependent on their parents. You can receive these benefits based on your parent’s work record once your parent dies or starts receiving Social Security retirement or disability benefits.

    At Robertson Wendt Disability, we can help you understand exactly how your medical condition and your work history and financial status will shape your disability benefits. The initial consultation is completely free of charge.

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    How Much Are Disability Benefits: An Overview

    When it comes to Social Security Disability Insurance, much depends on the work you did before your health became a problem:

    • Only the top earners get the maximum monthly payment, which reached $3,822 in 2024.
    • The national average SSDI payment for workers with disabilities stood at $1,537 in 2024.

    If you have a family, SSDI may pay more. On average, a worker with disabilities and a spouse and one or more children can expect $2,449 a month.

    Because Supplemental Security Income isn’t based on what you earned in the past, it tends to be a lower and pre-set amount. But it’s a welcome lifeline for folks unable to work and facing financial need.

    Social Security uses a basic calculation for SSI that it updates each year.

    • As of 2024, an individual could receive $943
    • A couple could receive $1,415 a month

    You may not get all of that, however. Social Security will deduct from it for income you have from other sources.

    That could include pensions, your spouse’s income, legal settlements, workers’ compensation or long-term disability insurance. You can own your home, a car, personal and household items, and a very limited amount of cash or investments or other property of value (known as resources) but you may not qualify for SSI if you have too many resources.

    Our Social Security Disability lawyers have made it our mission to help South Carolinians facing health challenges and financial stress. We want you to get the Social Security Disability benefits you deserve.

    Put our experience to work, so you can get financial support for a more secure life.

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