SSDI Benefits
How Social Security disability insurance works in 2026: the earnings limits, trial work period, benefit formula, waiting period, and a calculator.
SSDI benefits calculator (2026)
SSDI benefits 2026: key numbers
- Substantial gainful activity (SGA): earning more than $1,690 a month ($2,830 if blind) generally means you aren't considered disabled.
- Trial work period: a month with earnings over $1,210 counts as one of your 9 trial work months.
- The average SSDI benefit for disabled workers is about $1,630 a month (SSA, 2026).
How the benefit is calculated
SSDI pays your primary insurance amount (PIA), figured from your average indexed monthly earnings: in 2026, 90% of the first $1,286, 32% up to $7,749, and 15% above that. Benefits start after a five-month waiting period, and Medicare starts after 24 months of entitlement. Dependents may get benefits too, up to a family limit.
SSDI is based on your work record; if you have limited income and work history, see supplemental security income.
Common questions
What is the SSDI earnings limit for 2026?
$1,690 a month ($2,830 if blind) for substantial gainful activity.
How much is the average SSDI payment?
About $1,630 a month for disabled workers in 2026.
When does Medicare start with SSDI?
After 24 months of SSDI entitlement.
Sources
More retirement calculators: Social Security Spousal Benefits · Traditional IRA
Related
- Supplemental security income
- Social Security quick calculator
- Medicare Plan G
- Social Security survivor benefits
General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.