How much will I receive from SSDI in Minnesota?

By Hogan Smith

Updated 12/04/2025


How much will I receive from SSDI in Minnesota? The amount you receive from Social Security Disability Insurance (SSDI) in Minnesota depends on your average lifetime earnings before your disability. SSDI benefits are calculated using a complex formula based on your work history and Social Security taxable income. Typically, the monthly SSDI payment reflects a percentage of your average monthly earnings, adjusted for cost of living. The Social Security Administration (SSA) provides an estimate when you apply or check your account online.

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Please answer a few questions to help us determine your eligibility.


Step 1: Determine Your Average Indexed Monthly Earnings (AIME)

The SSA calculates your benefits using:

  • Your highest earning years indexed to account for inflation.
  • The average of these years’ earnings to compute your monthly average.
Step 2: Apply the Social Security Benefit Formula

The formula includes:

  • Primary Insurance Amount (PIA) which determines your basic monthly benefit.
  • Three bend points that adjust the percentage of your AIME credited.
Step 3: Consider Minnesota’s Cost of Living Adjustments

Benefits may vary due to:

  • COLA increases applied nationally, which also affect Minnesota SSDI payments.
  • Adjustments based on year-to-year inflation rates.
Step 4: Account for Family and Dependent Benefits

You may qualify for:

  • Additional benefits if you have dependents or a spouse.
  • Supplemental Security Income (SSI) if your SSDI is low or your resources are limited.
Step 5: Review Other Income or Offsets

Note that:

  • Worker’s compensation or other disability benefits might reduce SSDI payments.
  • Earned income after disability approval can affect benefit amounts.

How Hogan Smith Can Help

At Hogan Smith, we guide Minnesota residents on understanding how much SSDI they can receive by:

  • Explaining the methods SSA uses to calculate your benefit amount based on your individual earnings record.
  • Helping you assess your entitlement to additional family-related SSDI benefits and SSI.
  • Advising on the impact of other income sources and potential offsets that affect your monthly payment.
  • Providing expert assistance to ensure your application includes all necessary information to maximize your benefit.

Contact Hogan Smith Today

If you want to know how much you will receive from SSDI in Minnesota, contact Hogan Smith now for a free case evaluation. Our skilled team can help clarify your expected benefits and assist with applications or appeals to ensure you get the SSDI payments you deserve.


Further Reading

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Updated February 10, 2025

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Updated February 10, 2025

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Updated February 10, 2025

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