How to Figure Disability Payments

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According to the Social Security Administration, studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching the age of retirement. If you are one of the individuals who is unfortunate enough to become disabled, then the necessity for calculating disability payments may be extremely important, as this will become a vital component of your personal budget.

Step 1

Visit the website of the Social Security Administration and use the on-line calculator for disability benefits. This calculator should allow you to obtain insight into the amount of benefits that you will receive. The address of the calculator is below in the resources section.

Step 2

Input the requested data into the on-line disability benefits calculator. The calculator will contain inputs for your yearly salary covering your occupational career. You can retrieve this information from your Social Security statement, which lists your yearly earnings under the heading of Your Taxed Social Security Earnings. You will also need to input data relating to your date of birth, retirement age and future earnings.

Step 3

Generate a calculation of benefits. Once you have submitted the necessary information, you should be able to retrieve an instant calculation of benefits due by pressing the "calculate benefits" button. The Social Security Administration will calculate your benefits based on an average of the highest-yielding 35 years of your occupation career or all of your working years if you have not yet worked 35 years.


The average amount of Social Security benefit payments as of the beginning of 2006 for disabled workers receiving a monthly payment was $939. Disabled workers with a spouse and one or more children received $1,571.

If you are disabled, then you can apply for Social Security disability benefits on-line through the Social Security Administration's website. This could save valuable time that would be spent waiting in line at a Social Security Administration office.

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