Determining the Maximum SSDI Amount

Key points about SSDI couples benefits in Connecticut:

• Benefits are based on work history of both spouses, affecting the total monthly amount.
• The family maximum caps the total benefit payable to a couple under SSDI rules.
• Individual entitlement limits apply before the family maximum is used.

Family Maximum Benefit Calculation

Understanding family maximums involves:

• The SSA sets a limit on combined monthly payments to a couple.
• Combined benefits usually do not exceed 150% to 180% of the primary worker’s benefit.
• This limit prevents excessive payments when both spouses qualify.

Factors Affecting SSDI Amounts in Connecticut

Several elements influence your SSDI payments:

• Past earnings of each spouse determine the calculation.
• Cost of living adjustments (COLA) annually affect SSDI benefit amounts.
• Other household income generally does not affect SSDI payment levels.

How to Estimate Your SSDI Benefits

To get an idea of your maximum SSDI benefit:

• Use the SSA’s online calculators to approximate payments for each spouse.
• Factor in your work credits and earning record.
• Consult with an expert to understand how the family maximum applies.

Important Notes About SSDI for Couples

Keep these clarifications in mind:

• SSDI benefits are not based on marital status alone, but on individual work history.
• Survivor benefits and other Social Security programs have different criteria.
• Contact SSA or a professional for personalized benefit estimates.