2026 SSDI Benefits Calculator
Estimate your monthly SSDI benefits and potential Back Pay
Your average gross income before disability
Used to calculate potential Back Pay
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SSDI FAQ
How is SSDI calculated?
SSDI is based on your Average Indexed Monthly Earnings (AIME) and uses bend points to calculate your Primary Insurance Amount (PIA). The formula replaces 90% of the first $1174, 32% up to $7078, and 15% above.
What is Back Pay?
Back Pay is a lump sum for benefits you should have received since becoming disabled. There's a mandatory 5-month waiting period, but you may receive months of back payments in one check when approved.
What is the 2026 COLA increase?
The 2026 Cost-of-Living Adjustment (COLA) is 2.8%. This increase is applied to all Social Security and SSDI benefits starting January 2026.
Disclaimer: This is an estimate only based on 2026 SSA guidelines. Not an official SSA tool. Actual benefits may vary. Contact the Social Security Administration or a qualified attorney for official benefit calculations.