What is the Substantial Gainful Activity (SGA) limit?

To qualify for SSDI, you must be unable to engage in Substantial Gainful Activity. For 2025/2026, earning more than $1,550 per month ($2,590 for statutorily blind individuals) generally disqualifies you.

Can dependent children receive auxiliary SSDI benefits?

Yes. Qualifying minor children and spouses caring for a child under 16 may receive up to 50% of your SSDI benefit, subject to the Family Maximum Benefit cap (typically 150% of PIA).

USAUpdated for 2026Finance

US Social Security Disability Insurance (SSDI) Benefit Calculator 2026

Estimate your monthly Social Security Disability Insurance (SSDI) payment, Primary Insurance Amount (PIA) bend points (90%, 32%, 15%), Substantial Gainful Activity (SGA) earnings caps, and family auxiliary benefits.

Pensions & Superannuation Retirement & Pensions Salaries & Monthly Wages

Calculated Result

Worker Monthly SSDI Benefit (PIA)

2,344.92$/mo

Calculator Inputs

Average Indexed Monthly Earnings (AIME) over Covered Career

$/mo

Quick select:

Number of Eligible Dependents (Minor Children / Caretaker Spouse)

Dependents

Quick select:

Worker Monthly SSDI Benefit (PIA)

2,344.92$/mo

Total Family Monthly SSDI Benefit

3,517.38 $/mo

Annual Household SSDI Payments

$42,208.56

Auxiliary Dependent Benefits

1,172.46 $/mo

Maximum Family Benefit (MFB) Cap

3,517.38 $/mo

SSDI benefits are calculated from your Average Indexed Monthly Earnings (AIME) over your working career. The 2025/2026 maximum monthly SSDI benefit is $3,822 (Substantial Gainful Activity cap is $1,550/mo non-blind).

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: Social Security Act (42 U.S.C. § 423 - Social Security Disability Insurance SSDI Primary Insurance Amount Formula)Last Verified: 2026-09-04

Calculation Methodology

PIA = 90% of first $1,174 of AIME + 32% of AIME between $1,174 and $7,078 + 15% of AIME above $7,078. Maximum Family Benefit = 150% to 180% of PIA.

Frequently Asked Questions

The SSA computes your Average Indexed Monthly Earnings (AIME) and applies a three-tier progressive formula using statutory 'bend points' (90% of first $1,174, 32% up to $7,078, and 15% of excess).

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US Social Security Disability Insurance (SSDI) Benefit Calculator 2026

Calculator Inputs

Calculation Methodology

Frequently Asked Questions

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