One of the most common questions we hear from Michigan residents considering an SSDI or SSI application is how much they could receive. The answer depends on which program you qualify for and, in the case of SSDI, your individual earnings history. For SSDI, your monthly benefit is calculated based on your average lifetime earnings. The Social Security Administration uses a formula applied to your average indexed monthly earnings (AIME) to determine your primary insurance amount (PIA), which becomes your monthly payment.
In 2025, the average SSDI payment was approximately $1,580 per month. However, individual amounts vary widely — workers with higher and more consistent earnings receive more, and those with shorter or lower-wage work histories receive less. You can get an estimate of your potential SSDI benefit by reviewing your Social Security statement, available through your account at ssa.gov.
The statement shows your earnings history and projected benefit amounts. For SSI, benefit amounts are set by federal law rather than based on individual earnings. The maximum federal SSI payment in 2025 is $967 per month for an individual and $1,450 for a couple. Your actual payment may be lower if you have other income, since the SSA applies exclusions and reductions based on what you receive from other sources.
Family members may also receive benefits. If you qualify for SSDI, your spouse and dependent children may each be entitled to derivative benefits up to 50% of your amount, subject to a family maximum.
Our team at Grech Law Firm Attorney & Counselor can help you estimate your benefit potential based on your earnings record and circumstances. Contact us for a free consultation.
