SSDI Monthly Benefits: How Much Do States Pay and Which Offers the Most?

SSDI Monthly Benefits: People who can’t work because of a disability or health condition can get help from the federal government through programs like Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). SSDI is for people who have worked for a long time and paid Social Security taxes.

SSI is for people who are poor and haven’t worked much. The Social Security Administration (SSA) is in charge of both programs. It was estimated that 7.9 million workers got SSDI in 2022, while 6.5 million people got SSI.

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Average Benefits for Disability

In 2024, the average monthly SSDI benefit is $1,483.10, and it can go up to $3,822 depending on how much money the person has made and how much tax they have paid. SSI is meant to help people with low incomes. The average amount each month is $600.74, and the most they can get is $943. Even though these benefits are very important, they don’t always cover the costs of basic living.

SSDI doesn’t always cover half of a person’s costs, and SSI doesn’t always cover more than a third. In the United States, living costs vary from state to state. The District of Columbia has the lowest costs of living and Delaware has the highest SSDI average. A lot of recipients need extra help to meet their financial obligations.

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SSDI payments made by the State

The entire SSDI average monthly payment by state table for 2022 is provided here:

• Alabama $1,454.98
• Alaska $1,473.09
• Arizona $1,542.92
• Arkansas $1,415.43
• California $1,524.99
• Colorado $1,497.71
• Connecticut $1,549.41
• Delaware $1,599.97
• District of Columbia $1,321.04
• Florida $1,521.74
• Georgia $1,485.38
• Hawaii $1,532.11
• Idaho $1,456.79
• Illinois $1,495.07
• Indiana $1,480.12
• Iowa $1,412.23
• Kansas $1,439.17
• Kentucky $1,446.53
• Louisiana $1,421.25
• Maine $1,395.33
• Maryland $1,542.21
• Massachusetts $1,493.30
• Michigan $1,508.94
• Minnesota $1,475.73
• Mississippi $1,416.49
• Missouri $1,441.07
• Montana $1,407.08
• Nebraska $1,391.82
• Nevada $1,562.44
• New Hampshire $1,528.42
• New Jersey $1,648.06
• New Mexico $1,398.19
• New York $1,540.57
• North Carolina $1,483.98
• North Dakota $1,388.96
• Ohio $1,422.89
• Oklahoma $1,423.04
• Oregon $1,459.64
• Pennsylvania $1,493.44
• Rhode Island $1,464.35
• South Carolina $1,512.46
• South Dakota $1,391.16
• Tennessee $1,446.63
• Texas $1,463.70
• Utah $1,473.63
• Vermont $1,398.34
• Virginia $1,497.40
• Washington $1,494.32
• West Virginia $1,465.15
• Wisconsin $1,460.01
• Wyoming $1,485.89

SSDI Monthly Benefits: How SSDI is calculated

The SSA calculates SSDI benefits by looking at your top 35 years of earnings, adjusting them for inflation. They use a formula to find your ‘Primary Insurance Amount (PIA)’.

It’s 90% of your first $1,174 in earnings in 2024, 32% of amounts between $1,174 and $7,078 in 2024, and 15% of any amount above that. This method helps people who have made less over their lifetime get more SSDI benefits.