If you have a new disability that prevents you from working, you may be wondering about your future and possible SSDI amount. Bear in mind that there are a few things that affect that amount. For example, the age you file affects that amount.
It is not the same being a senior as being a 30-year-old. The older you are, the higher your SSDI payment will be. Besides, the number of years you worked for is key. Working for 35 years is necessary to get higher payments. High earners get better Social Security checks too.
The easiest way to find out your SSDI payment amount
The Social Security Administration (SSA) recommends using a Statement. The best thing about a Statement is the fact that you can get it online and it is free. So, you will save time and money.
Even if you have earned enough work credits to get Disability Insurance, you may not have a qualifying disability. Social Security will make sure that you are eligible first.
To get a Statement from Social Security you must have a my Social Security account. It will be useful regardless of your age because it will help you focus on your future SSDI or retirement benefits. If you are 60 years old or older and do not have this SSA account, you will get a letter by mail.
Social Security Statement information regarding disability
If you need to apply for SSDI due to your disability, you can first have a look at your Statement. It will show you if you have earned enough work credits or not to get Disability Insurance.
The amount your Statement shows is for the moment you request it. So, if you apply for SSDI three years later and you have worked all those years, your amount should be higher. A person who is 60 years old needs 9.5 years of work to get Disability Insurance.
Some people whose disability may result in death may worry about leaving their family a source of income. Once you check your Statement, you will also see if you have earned enough Social Security credits for your eligible family. What is more, it will also show survivor amounts for your spouse and children.