Question: How Much Can I Expect in My...

Social Security Disability insurance is a program that workers pay for with the Social Security taxes that are deducted from their paycheck. Therefore, should you become disabled, you may qualify for these benefits, which are based on your work history. The higher your Social Security wages were, the more your monthly benefit check is likely to be. Recently, the average payment for a disabled worker was about $680 per month. This amount usually increases slightly each year; it may also vary, depending on your particular situation. If you are working while receiving benefits, or also draw another type of disability benefit, your Social Security check may be reduced. For an estimate of how much your disability benefits might be, call or visit any Social Security office. The easiest way to do this is to call 1-800-772-1213 They'll send you the forms you need to receive a personal earnings and benefit estimate statement.

Author Message   Andrea Mitchell (Amitchell41) New member Username: Amitchell41 Post Number: 1 Registered: 7-2005 Rating: N/A Votes: 0 (Vote!) Posted on Thursday, July 14, 2005 - 9:30 pm:        I am the mother of a mentally disabled 5 yr old. I recently have felt that my job is "unstable". I would like to know how the pay scale works so that I know how much to expect if something happens. They have always made it odd amounts and I have never understood how they come up with those amounts. No one at the office will explain it to me and I haven't found any kind of pay table online so maybe you could help. we live in Texas if that helps. Thank you   Paul McChesney (Admin) Board Administrator Username: Admin Post Number: 1338 Registered: 5-2004 Rating: N/A Votes: 0 (Vote!) Posted on Tuesday, August 02, 2005 - 8:55 am:        If you want to know how much Social Security disabiltiy you would draw, you need the earnings record that the Administration sends most people on a regular basis. If you don't have one, call 1 800 772 1213 and ask for one, or order it at www.ssa.gov. Once you get it, look at the record of yearly earnings. If there is something missing, you need to try to fix that. If there is something missing, your estimated benefits will probably be too low. If that record is accurate, the estimated benefits will also probably be very close to what you will get. There is a complex formula, but once they have entered the right earnings amount, the computer is not likely to make a calculation mistake. If you want to know how much SSI you would draw if you were disabled, or how much your disabled child would draw if your income goes up or down, that is a complex question, and unfortunately the answer varies some from state to state. To hazard a rough guess, if your family income is $10,000 a year there will be some SSI for a disabled family member; if it is $30,000, there will be none, and in between it depends on the state and the number of dependents. If your child is drawing SSI, and the amount is raised or lowered, there is supposed to be a notice sent out. If that notice lists the family income correctly, the benefit amount is usually correct. Check that income carefully and contact the Administration if it is too high or too low. (Message edited by admin on August 02, 2005)

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