1. How SSDI Payments Are Determined

• SSDI benefits are based on your Primary Insurance Amount (PIA), which is calculated from your average indexed monthly earnings (AIME) during your 35 highest-earning years.
• The Social Security Administration (SSA) sets an annual maximum benefit. Even if your earnings result in a higher PIA, you will never receive more than this cap.

2. Maximum SSDI Benefit for 2025

• For 2025, the maximum SSDI monthly benefit is $4,018.
• To qualify for this amount, you generally need approximately 35 years of earnings at or above the annual taxable maximum.

Most recipients receive less than the maximum due to shorter or lower earnings history.

3. Cost‑of‑Living Adjustments (COLA)

• SSDI benefits are adjusted each year based on inflation.
• The 2025 COLA, approximately 2.5%, increased both the maximum and average benefit amounts.
• Future COLAs will adjust the maximum benefit accordingly.

4. Family (Auxiliary) Benefits

• Your SSDI may include auxiliary benefits for eligible family members, such as a spouse or children.
• These additional benefits are subject to a family maximum, typically between 150% and 180% of your individual benefit.

5. Federal Rule Applies in Nevada

• SSDI is a federal program, so benefit limits and calculations are the same nationwide—including in Nevada.
• Nevada does not offer additional locals SSDI funds, though eligibility for Medicare begins 24 months after SSDI entitlement.