Understanding Individual SSDI Benefits

Each person’s SSDI amount is based on:

• Lifetime earnings record and Social Security credits earned.
• Average indexed monthly earnings (AIME) over their working years.
• Primary Insurance Amount (PIA) calculated from those earnings.

Spousal SSDI Benefits Considerations

As a couple, you may qualify for:

• Spousal benefits of up to 50% of the higher earner’s PIA.
• Limitations on total combined SSDI payments to prevent excess aggregation.
• Potential benefits based on either individual’s disability records.

Impact of an Attorney on Maximum Benefits

An attorney can help by:

• Ensuring all earnings records are properly evaluated for maximum benefit calculation.
• Advising on spousal and combined benefit rules to avoid benefit loss.
• Handling appeals if initial payments do not reflect entitled amounts.

Other Factors Affecting Maximum SSDI as a Couple

Consider these:

• Age of both spouses when benefits begin may influence payment timing.
• Work history length and income variance affect each person’s SSDI base.
• Any prior Social Security benefits already received that may reduce SSDI.

Common Misconceptions

Beware of:

• Thinking couples automatically double the benefit amount – benefits are individually calculated.
• Assuming spousal benefits are guaranteed – eligibility requirements apply.
• Overlooking how combined earnings affect maximum benefit caps.