1. How SSDI Benefits Are Calculated

• SSDI payments are based on your Primary Insurance Amount (PIA), calculated from your average indexed monthly earnings (AIME) over your 35 highest-earning years.
• The Social Security Administration (SSA) sets an annual maximum benefit. Even if your earnings record indicates a higher amount, your monthly payment cannot exceed this limit.

2. Maximum SSDI Benefit for 2025

• For 2025, the maximum SSDI monthly benefit is $4,018.
• To qualify for this maximum, you generally must have earned at or above Social Security’s taxable maximum for about 35 years.

3. Cost‑of‑Living Adjustments (COLA)

• SSDI benefits receive an annual Cost-of-Living Adjustment to help cover inflation.
• The 2025 COLA (about 2.5%) increased both the maximum and average benefit amounts.
• Future increases depend on inflation rates.

4. Family (Auxiliary) Benefits

• Your SSDI payments may include auxiliary benefits for eligible family members, such as a spouse or children.
• These dependents may receive up to 50% of your PIA, but SSA places a family maximum, typically around 150–180% of your individual payment.

5. Federal Rules Apply in Minnesota

• SSDI benefit rules and maximums are determined at the federal level and are the same nationwide, including in Minnesota.
• Minnesota does not offer additional state-funded SSDI, though qualified recipients still gain access to Medicare after 24 months of SSDI eligibility.