社會安全殘障福利：您的福利金額取決於您的收入

Social Security Disability benefits provide essential financial support to individuals who are unable to work due to a disability. These benefits are meant to assist individuals in maintaining their quality of life, despite their inability to generate income. One crucial factor that determines the amount of benefits you will receive is your earnings history.

Understanding how your earnings impact your Social Security Disability benefits is vital for planning and preparing for the future. Here's what you need to know:

社會安全殘障保險 (SSDI) 為那些曾經工作並繳納過社會安全稅，但現在因殘疾而無法工作的人提供收入支持。要符合 SSDI 的資格，您必須根據您的年齡和工作年限累積足夠的工齡積分。您透過 SSDI 獲得的福利金是根據您一生的平均收入計算的。

How Are Your Earnings Calculated?

Your average lifetime earnings are the foundation for determining the amount of benefits you are eligible to receive. Specifically, the Social Security Administration (SSA) looks at your earnings over your working years and calculates your Average Indexed Monthly Earnings (AIME).



為了計算您的平均收入（AIME），社會安全局 (SSA) 會使用平均工資指數調整您的收入記錄，並且只考慮您收入最高的年份。他們會考慮通貨膨脹率，以確保您的收入反映當前的貨幣價值。計算出您的 AIME 後，SSA 會應用一個公式來決定您的主要保險金額 (PIA)。

您的個人保險計劃如何決定您的福利？

Your PIA is crucial in determining the monthly disability benefits you will receive. The SSA applies your PIA to a progressive benefit formula that sets different benefit replacement rates for various levels of earnings. The formula is designed to provide higher replacement rates for individuals with lower average lifetime earnings to support those who need the most assistance.

Understanding your PIA and how it affects your benefits is essential. By researching the specific benefit formula, you can estimate the amount of benefits you are likely to receive. This knowledge allows you to plan for your financial future and make informed decisions regarding your budget and expenses.

還有哪些因素會影響您的福利？

While your earnings history is a significant factor in determining your Social Security Disability benefits, other factors may also influence the final amount you receive. These include your age, the number of dependents you have, and the timing of your disability application.

Additionally, if you are eligible for other disability benefits, such as workers' compensation or private insurance, the SSA may reduce your SSDI benefits to prevent "double dipping." It's crucial to understand these factors and consult with a knowledgeable attorney or financial advisor to ensure you receive the maximum benefits available to you.

結論

Your earnings history plays a critical role in determining the amount of Social Security Disability benefits you will receive. By understanding how your average lifetime earnings are calculated and how they impact your benefits, you can plan effectively for your financial future. Consulting with professionals and utilizing available resources will ensure that you receive the maximum benefits you are entitled to receive.