How Much Does Disability Pay In Florida?

Do you live in Florida? Do you have a medical condition that has caused you to be unable to work and earn income as you otherwise would? If so, you may be struggling financially – and that’s understandable. Unfortunately, being unable to work doesn’t mean the bills stop arriving. It can be tremendously stressful to be in this situation and wonder how you’ll continue to pay your bills and provide for yourself and those you love. If this sounds familiar, you may wonder whether or not you should seek disability benefits, and if so, how much you might receive each month. Let’s take a closer look at the law together.

What Types of Benefits Does the Social Security Administration Offer?

The Social Security Administration offers two types of disability benefits, and determining which type to apply for will depend upon your particular circumstances. These benefits include:

• Social Security Disability Insurance: Social Security Disability Insurance, or SSDI benefits for short, are benefits that the Social Security Administration may offer to individuals who are “insured” and have a medical condition that has rendered them disabled for one continuous calendar year or more. Some people assume that being “insured” means having a specific type of insurance policy, but this is not the case. Instead, to the Social Security Administration, being “insured” means that you have worked a job for a sufficient time, during which you regularly paid a portion of your salary into the Social Security system.
• Supplemental Security Income: As with SSDI benefits, SSI benefits are intended for individuals with a disabling medical condition that has rendered them unable to work for at least one continuous calendar year or more. Unlike SSDI, however, those who apply for SSI need not be “insured.” Instead, those who apply for SSI must have income and resources below a specific limit established annually by the Social Security Administration.

Depending on your situation, you may want to apply for one or both types of benefits. Consulting with an attorney regarding what might be best for your circumstances is always advised.

How Are Benefits Calculated?

The Social Security Administration calculates benefits using specific formulas based on various factors. Some of the factors most commonly used to determine benefits include the applicant’s work and earnings history and their income and resource level.

As a general rule, for those receiving SSDI, benefit amounts will be higher for those who worked longer and paid more into the Social Security system. Because SSI is based on resources and income instead of earnings history, it is generally the case that benefit amounts will be higher for those who have lower income and resource levels.

It is also important to understand that regardless of the particular condition you have or the other factors the Social Security Administration considers in making its calculations, there are maximum amounts that a recipient can be paid each month. In 2025, the maximum SSDI payment that an individual can receive each month in 2025 is $4,018, and the maximum SSI payment is $967 per month for an individual or $1,450 per couple.

Certainly, each applicant has unique circumstances that may affect how benefits are calculated and paid. Consulting with an attorney regarding your particular situation is always advised.

When Are Benefits Paid?

SSDI benefits are typically paid based on the recipient’s birthdate. Although the rules are different for those who began receiving benefits before 1997, for those who began receiving benefits after, the payment schedule is typically as follows:

• Those with a birthdate between the 1st and 10th of the month will receive payment on the second Wednesday of the month.
• Those with a birthdate between the 11th and 20th of the month will receive payment on the third Wednesday of the month.
• Those with birth dates between the 21st and 31st of the month will receive payment on the fourth Wednesday of the month.

While this is the general payment schedule, a payment date may sometimes fall on a federal holiday. In those cases, payment will typically be made on the business day immediately preceding the holiday. Unlike SSDI and SSI payment dates are not based on the recipient’s birthdate. Instead, payments are typically made on the first business day of each month.

Call Disability Experts Today

If you live in Florida and you are struggling with a difficult medical condition that has caused you to be unable to work, you may feel a sense of urgency about pursuing disability benefits. That’s completely understandable. Being disabled and unable to work can be extremely stressful from a financial perspective, and it’s normal to worry and wonder how you’ll continue to pay your bills during this difficult time. That’s why our team at Disability Experts is here to help. We know and understand the law regarding disability benefits, and we’ll do all we can to help you pursue the benefits you need. If you’re ready to get started, give us a call today. We look forward to helping you soon.