Average Social Security Disability Benefits by State

If you are unable to work due to a health condition or disability, understanding the Social Security benefits process is a critical first step toward financial stability.

While the amount you receive is mostly determined by your individual work history, looking at the state-by-state averages for Social Security Disability Insurance (SSDI) can give you a helpful benchmark.

This guide breaks down the difference between the two main programs, reveals the average checks nationwide, and shows you which states see the highest (and lowest) benefit amounts.

What Are the Two Main Disability Programs?

The Social Security Administration (SSA) runs two distinct federal disability programs. The core difference is whether you have a significant work history.

As of 2022, nearly 7.9 million people receive SSDI, and just over 6.5 million receive SSI.

What Are the National Average Monthly Benefits?

These averages give you a clear picture of what people are typically receiving across the country.

Social Security Disability Insurance (SSDI)

• National Average (2024): $1,483.10 per month.

• Maximum Possible Benefit (2024): $3,822 per month.

Key Takeaway: The average benefit is well below the maximum, showing that an individual's unique lifetime earnings record is the biggest factor in the final calculation.

Supplemental Security Income (SSI)

• National Average: Approximately $600.74 per month.

• Federal Maximum (2024): $943 per month for an individual.

Key Takeaway: SSI is designed for very low-income individuals, which is why the benefit is significantly lower and capped by strict income and asset limits.

Important Note: While these benefits are essential, studies show that SSDI often covers less than half of a disabled worker's previous living expenses, and SSI often covers less than a third.

SSDI Benefits: Why Do Averages Change By State?

Although SSDI is a federal program, the average benefit amount can vary by state. This is primarily because SSDI is calculated based on an individual's lifetime earnings. A state with higher average wages and employment rates will naturally have a population with a higher average benefit.

Highest and Lowest Average SSDI Benefits

In most states, the average SSDI benefit falls between $1,400 and $1,500 per month. Only 13 states currently average over $1,500.

Top 10 States for Average SSDI Benefit

(See the full table below for all states)

 SSI Benefits: State Differences (The Role of State Supplements)

Unlike SSDI, SSI is purely based on financial need, so the federal SSI amount is the same no matter where you live. However, the total benefit can vary significantly because many states offer supplemental payments on top of the federal maximum.

Even small amounts of outside income can reduce your SSI benefit. For example, if the federal maximum is 943 and you earn $300 a month from another source, your SSI benefit will be reduced, likely qualifying you for an amount closer to $643 (depending on the specifics of the calculation).

Top 10 States for Average SSI Benefit

(See the full table below for all states)

What This Means For Your Application

The average for your state is a good reference point, but it is not a guarantee. Your individual SSDI payment will be calculated based on your own lifetime earnings—specifically, the average of your highest 35 years of work history.

Use These Numbers to Set Your Expectations

• Don't assume you'll get the "average." Your actual payment could be higher or lower depending on your personal work record.

• Focus on Accuracy: When applying for SSDI, the most crucial step is making sure your medical documentation, work history, and other required records are as complete and accurate as possible. This is what determines your eligibility and your ultimate benefit amount.

Get Help with Your Application

Applying for disability benefits can feel overwhelming, especially when you’re managing a health condition. Our team is here to help you navigate this complex process.

We can review your work and medical history, help gather compelling evidence, and guide you through the application process to ensure your paperwork is complete and accurate.

Schedule Your Free Consultation

You don’t have to do it alone. Reach out to our team today for personalized guidance and take the next step toward securing the benefits you deserve. To get started, call our Roswell office at 575-300-4000 or use an online contact form to schedule your free consultation today.

Full Data Table: Average Monthly SSDI Benefit by State