SSDI benefit payments are based on your average annual earnings before you became disabled. Social Security benefits are computed using the average monthly earnings over the last 35 years of a worker’s earnings. The Social Security Administration uses the highest earnings years when making their calculation. In 2023, the maximum SSDI payment amount is $3,627.00 per month. Keep in mind, Supplemental Security Income (SSI) benefits are not based on a worker’s earnings. SSI benefits are a needs-based program and are available to disabled individuals who have minimal assets and income. In 2023, the maximum SSI payment is $914 for an individual.