Social Security Disability Insurance (SSDI)
Monthly payments if a disability keeps you from working, based on your work history.
How much people receive
Maximum$4,152 a monthhighest possible worker benefit, 2026
Average$1,630 a monthaverage disabled worker, 2026
Source: Social Security Administration. Your amount depends on your income, household and situation, and many people receive less than the maximum.
Goes to SSA.gov. Applying is free.
Who generally qualifies
People who can't work because of a long-term disability and have enough work history.
Exact income limits and rules are set by Social Security Administration and can change. Check the official site for current details.
How to apply
- Apply at SSA.gov.
- Provide medical records and work history.
What to have ready
- Medical records
- Work history
- Doctors' contact information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. This is free money that does not need to be paid back, as long as the information you give is accurate.
- Who decides if I qualify?
- Social Security Administration makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check SSA.gov for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with Social Security Administration.