1. Calculation Based on Work History

• Your SSDI monthly benefit is tied to your average indexed monthly earnings over your working years.
• Contributions through Social Security taxes determine your eligibility and payment amount.

2. Average SSDI Amount in North Carolina

• The typical SSDI monthly payment here is close to the national average, near $1,300 per month.
• Your benefit could be different based on your earnings and work credits.

3. SSA’s Benefit Formula

• The Social Security Administration applies a complex formula to calculate your primary insurance amount (PIA).
• This considers indexed earnings adjusted for inflation over your career.

4. Impact of Family Benefits

• Eligible family members, like a spouse or children, may receive dependent benefits based on your SSDI payment.
• This does not reduce your monthly SSDI amount but increases total household income.

5. Possible Offsets and Adjustments

• Your SSDI benefits might be reduced if you receive other government payments, like workers' compensation or certain pensions.
• SSA will notify you if any offsets apply to your monthly benefit.

6. Cost-of-Living Adjustments

• Benefits are adjusted regularly for inflation through cost-of-living adjustments (COLA).
• These increases help maintain your purchasing power over time.