Disability Insurance Calculator : How is Disability Insurance Calculated?

Disability Insurance Calculator : How is Disability Insurance Calculated?

Short-term disability and long-term disability insurance offer income replacement if, because of an accident or sickness, you are unable to work and are totally disabled. However, insurance companies often deny disability insurance claims and impose a burden on you to provide additional evidence of your disability.

How is Disability Insurance Calculated?


Using your AIME, the SSA will calculate your Primary Insurance Amount (PIA). As of 2014, the PIA is calculated by taking 90% of AIME under $816, 32% of AIME between $816 and $4917, and 15% of AIME greater than $4917. The final PIA amount is the maximum amount of SSDI benefits that you are entitled to.

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Calculating Benefit Payment Amounts

Your Weekly Benefit Amount (WBA) depends on your annual income. It is estimated as 60 to 70 percent of the wages you earned 5 to 18 months before your claim start date and up to the maximum WBA.

Note: Your claim start date is the date your disability begins.

We will calculate your WBA using a base period. To receive these benefits, you must have paid into State Disability Insurance during your base period. You will see this listed as “CASDI” on your paystub.

What is My Base Period?

Review the following to find your base period.

1. Confirm your claim start date.

Your claim begins the date your disability began. Your start date determines your base period.

You cannot change the beginning date of your claim or adjust your base period after establishing a valid claim. If you have questions about your claim start date, call us at 1-800-480-3287 before filing your claim.

2. Find your base period.

Your benefit amount is based on the quarter with your highest wages earned within the base period.

A base period covers 12 months and is divided into four consecutive quarters. The base period includes wages subject to SDI tax that were paid about 5 to 18 months before your disability claim began. The base period does not include wages paid at the time your disability begins. For a DI claim to be valid, you must have at least $300 in wages in the base period. The following information may be used to determine the base period for your claim.

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If a claim begins on or after January 1, 2022:

January, February, or March:
The base period is the 12 months ending last September 30.
Example: A claim beginning February 14, 2022, uses a base period of October 1, 2020, through September 30, 2021.

April, May, or June:
The base period is the 12 months ending last December 31.
Example: A claim beginning June 20, 2022, uses a base period of January 1, 2021, through December 31, 2021.

July, August, or September:
The base period is the 12 months ending last March 31.
Example: A claim beginning September 27, 2022, uses a base period of April 1, 2021, through March 31, 2022.

October, November, or December:
The base period is the 12 months ending last June 30.
Example: A claim beginning November 2, 2022, uses a base period of July 1, 2021, through June 30, 2022.

You can get a general estimate by using our online calculator.

Top Disability Insurance Calculator Websites

1. https://mslawllp.com/

McKennon Law Group PC is among California’s leading firms for bad faith insurance, ERISA and consumer litigation. Call 714-406-5582 today.

2. https://www.debofsky.com/disability-insurance-law/

At DeBofsky Sherman Casciari Reynolds P.C., our attorneys are skilled at recognizing the traps and pitfalls common to disability insurance claims. We have successfully handled thousands of pre-suit appeals on behalf of disability claimants, and have obtained justice for hundreds of clients in court.

3. https://www.buchanandisability.com/long-term-disability-insurance-attorney/

Long term disability insurance is supposed to protect your income, and provide money you and your family need during a time when you can no longer work.

4. https://www.merlinlawgroup.com/insurance/disability-insurance-claim/

Insurance companies can attempt to deny your claim. If your disability insurance claim has been denied, delayed or underpaid, contact Merlin Law Group today.

5. https://www.meetbreeze.com/disability-insurance/disability-insurance-for-lawyers/

Do attorneys at law actually need disability income insurance? Learn why lawyers should invest in disability insurance early on in their careers here.

6. https://www.goldbergfinnegan.com/long-term-disability-insurance-lawyers.html

Goldberg & Finnegan represents workers who have become disabled and have PRIVATE DISABILITY POLICIES. If you have been denied benefits, or if you sense that your disability carrier is going to cut off your benefits or is investigating your claim, call us at (888) 213-8140 for a free telephone consultation.

7. https://disabilitydenials.com/long-term/

Since our founding in 1992, Marc Whitehead & Associates has helped disabled individuals from coast to coast fight for and win their rightful long term disability insurance benefits.

8. https://www.haffnerlawyers.com/los-angeles-disability-lawyer/

Our firm fights against personal injury, bad faith insurance, and class action law suits in Los Angeles area. We will seek max compensation for your losses. Give us a call to speak to a lawyer today.

9. https://employee-advocates.com/long-term-disability-benefits/

Contact a national long-term disability benefits attorney at the Wisconsin office of Alan C. Olson & Associates today to discuss your case from anywhere in the U.S.: 888-843-1261.

10. https://www.pillsburycoleman.com/disability-denial-claims-lawyer-san-francisco/

If your disability insurance claim has been rejected or you have concerns, contact our San Francisco Disability Denial Claims Lawyer. Call (415) 655-1549.

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