One of the first questions people ask when considering Social Security Disability benefits (SSD) is: “How much will I receive if I’m approved?” While the Social Security Administration (SSA) sets a maximum benefit amount, the actual figure you qualify for depends on your work history and earnings. Understanding how these benefits are calculated—and making sure you get every dollar you’re entitled to—can make a big difference in your financial stability.
How SSD Benefits Are Determined
SSD benefits are primarily determined by your lifetime earnings and the severity of your disability. The SSA looks at your average lifetime earnings and applies a formula to determine your monthly payment. The higher your past earnings, the higher your benefit may be.
The Maximum SSD Benefit in 2025
The difference between the maximum benefit amount and the average highlights how important your earnings record is—and why it’s critical to ensure the SSA has your information correct when reviewing your claim.
Why This Matters for Your Claim
If you’re applying for SSD, knowing the maximum amount is only part of the picture. What really matters is making sure you:
- Provide complete and accurate earnings records so your benefit is calculated correctly.
- Submit strong medical evidence to prove your disability.
- Avoid costly mistakes that could delay or reduce your benefits.
That’s why having experienced legal representation comes into the picture. At Parmele Disability Advocates, our legal team has over 150 years of combined disability experience and is here to help you navigate the process, ensure your records are accurate, and fight for the maximum benefits you qualify for.
SSDI vs. SSI
It’s also important to understand the difference between SSD and Supplemental Security Income (SSI). While SSD is based on your work history, SSI is a needs-based program with a much lower federal maximum—$943 per month for individuals in 2025. Many people aren’t sure which program they qualify for, but we can help you determine the right path.
Let Us Help You Get the Benefits You Deserve
The disability process can be overwhelming, but you don’t have to go through it alone. At Parmele Disability Advocates, we work with clients every day to secure the benefits they need. Whether you’re applying for the first time or appealing a denial, we’ll guide you through the system and fight for the maximum amount of benefits available to you.
If you are considering filing a claim or need assistance with an appeal, call us today to schedule your no-cost consultation: 866-889-2570. Together, we will review your situation, answer your questions, and determine your next best steps.
Parmele Disability Advocates. Disability advocacy for all.