Say you suddenly had to stop working because of a disability or handicap that affected every part of your life. What would you do? That you will need a monthly income from now on to meet your basic needs.
Well, this is the truth for millions of people in the US who depend on Social Security disability insurance to stay alive. This is not just a government program; it is a lifeline for millions of people who depend on it to get through their daily lives with honor.
A lot has been said about this payment, but there are important questions about how it is given out and whether it is enough (since not everyone gets the same amount).
This payment is based on your situation and the state where you live. We are going to explain the difference between Supplemental Security Income and Social Security because it is important to know this in order to fully understand this social benefit.
What is SSDI? And SSI?
One side of SSDI is for people who have worked for a number of years and paid taxes to the Social Security Administration but had to quit their jobs because they were sick or hurt and could not do their job.
On the other hand, SCI is available to more groups of people who also can not work because of health problems but do not have any work history (or very little of it).
All of these benefits are run by Social Security (SSA). According to data from 2022, SSDI helps about 6.5 million people and SSDI helps about 8 million disabled workers.
Differences between SSDI and SSI
SSDI is for low-income people who have worked and saved money over the years, while SSI is for low-income people who have little or no work history. The average monthly SSDI benefit in 2024 was $1,483.10, and the highest amount was $3,822. This was a lot more than the average monthly SSI benefit of $600.74.
Which States have the highest SSDI payments?
This payment will be very different depending on the state you live in and how much money people in that state make and how much they pay into Social Security. We will show you a list of the average payments for each state, from highest to lowest:
- New Jersey: $1,648.06
- Delaware: $1,599.97
- Nevada: $1,562.44
- Connecticut: $1,549.41
- Arizona: $1,542.92
- Maryland: $1,542.21
- New York: $1,540.57
- Hawaii: $1,532.11
- California: $1,524.99
- Florida: $1,521.74
- New Hampshire: $1,528.42
- South Carolina: $1,512.46
- Michigan: $1,508.94
- Virginia: $1,497.40
- Colorado: $1,497.71
- Ilinois: $1,495.07
- Washington: $1,494.32
- Massachusetts: $1,493.30
- Pennsylvania: $1,493.44
- Minnesota: $1,475.73
- Utah: $1,473.63
- Alaska: $1,473.09
- Wyoming: $1,485.89
- Georgia: $1,485.38
- North Carolina: $1,483.98
- Indiana: $1,480.12
- Texas: $1,463.70
- Rhode Island: $1,464.35
- West Virginia: $1,465.15
- Wisconsin: $1,460.01
- Oregon: $1,459.64
- Idaho: $1,456.79
- Alabama: $1,454.98
- Kentucky: $1,446.53
- Tennessee: $1,446.63
- Missouri: $1,441.07
- Kansas: $1,439.17
- Louisiana: $1,421.25
- Ohio: $1,422.89
- Oklahoma: $1,423.04
- Mississippi: $1,416.49
- Arkansas: $1,415.43
- Iowa: $1,412.23
- Montana: $1,407.08
- Maine: $1,395.33
- Vermont: $1,398.34
- New Mexico: $1,398.19
- Nebraska: $1,391.82
- South Dakota: $1,391.16
- North Dakota: $1,388.96
- District of Columbia: $1,321.04
Why do benefits vary?
When someone applies for SSDI, their 35 years of highest income are taken into account (adjusted for inflation).
- 90% of the first $1,174 of income.
- 32% of income between $1,174 and $7,078.
- 15% of income exceeding $7,078.
To make sure that people with lower incomes get a bigger share based on how much they contributed to the Administration.
SSI is very important for many people who do not have any other way to make money, as you can see. People who get it need to make sure they have enough money to cover all of their needs.
Besides all of this, you can look around your neighborhood for other resources that will make your life even better. Your well-being comes first!
Also See:- Senate Confirms Increase in Social Security Benefits for This Particular Sector – Now Official