How Much Does Disability Pay In Florida?

If you live in Florida and you have a disability that has caused you to be unable to work, you may wonder whether or not you should apply for disability benefits, and if so, how much those benefits might pay. These are important and understandable questions to ask. If you find yourself asking these questions, you should know that you are not alone. In fact, Florida is home to more than 23 million people and is the third most populous state in the United States. This means that in Florida, there are many people who collect disability benefits from the Social Security Administration. Let’s take a closer look at the types of benefits available and how much you might receive.

What Benefits Are Available?

Those who are considering a claim for disability benefits from the Social Security Administration should know that two types of benefits may be available, depending on their circumstances. These include:

Social Security Disability Insurance: Known as SSDI benefits for short, Social Security Disability Insurance benefits are benefits that the Social Security Administration provides to “insured” applicants who have a disability that has caused them to be unable to work for at least one continuous calendar year or more. To be “insured” by the Social Security Administration, an applicant must have worked for a sufficient period of time, during which they regularly paid a portion of their salary in employment taxes into the Social Security system.
Supplemental Security Income: As with SSDI and SSI benefits for short, are intended for applicants who have a disabling condition that has rendered them unable to work for one year or more. Unlike SSDI benefits, however, an individual does not need to be “insured” to be approved for SSI benefits. Instead, they must have income and resources below a specific limit established annually by the Social Security Administration.

Depending on your situation, you may be able to qualify for one or both of these types of benefits. It is important to know, however, that regardless of which type of benefit you seek, there is a maximum monthly amount you can receive each month. These maximum amounts typically vary from year to year in accordance with various economic factors.

How Are Benefits Calculated?

As you might expect, the process of calculating benefits can be complicated. Generally, however, it can be helpful to know that, as far as SSDI benefits are concerned, two of the primary factors the Social Security Administration considers in calculating benefits are an individual’s work and earnings history.

The Social Security Administration will look at an applicant’s earnings history over the length of time they worked to create what is known as an Average Indexed Monthly Earnings figure, or AIME for short. The Social Security Administration will then use that AIME to determine what is known as your primary insurance amount, or PIA. The PIA is the benefit amount you are paid monthly for as long as your disability continues, or until you reach retirement age, at which time your benefits will automatically convert to Social Security retirement benefits.

If you are an individual who plans to pursue SSI instead of SSDI, you should know that, because the program is funded differently, work and earnings history are not considered in the same way. Instead, when calculating an individual’s SSI amount, the Social Security Administration primarily considers their income and resource levels. As a general rule, the lower an individual’s income and resources, the more they will receive each month, up to the monthly maximum.

On that note, it is important to realize that regardless of whether you collect SSDI or SSI benefits, there is a maximum amount of benefits that you can receive each month. The maximum amounts typically change annually in accordance with a variety of economic factors. In 2025, the maximum monthly SSDI payment that an individual can receive is $4,018. The maximum monthly SSI payment in 2025 is $967 for an individual and $1,450 for a couple.

Call Disability Experts Today

When you are unable to work as a result of a disability, disability benefits can make a tremendous difference in relieving financial stress and providing peace of mind. At Disability Experts, we understand that, and it’s why we’re here to help. We know the struggles that our disabled clients face, financial and otherwise – and we’re passionate about helping you fight for the benefits you need. Our talented and experienced team of attorneys knows and understands every aspect of the law pertaining to disability benefits, and we’ll always pursue the best legal strategies on your behalf. If you’re ready to get started, give us a call today. We look forward to helping you soon.

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