What is the maximum Social Security Disability benefit amount an insured can receive?

The maximum Social Security Disability benefit amount that an insured individual can receive is based directly on their Primary Insurance Amount (PIA). The PIA is the amount of benefit one is eligible for at their full retirement age, and it is determined by the individual’s average indexed monthly earnings during their working years.

Choosing 100% of the insured's Primary Insurance Amount (PIA) is correct because that is the maximum benefit level for those who qualify for Social Security Disability Insurance (SSDI). This means that if someone becomes disabled and qualifies for benefits, the Social Security Administration will provide them with a monthly benefit that equals their full PIA.

Other percentages, such as 75%, 50%, or 125% of the PIA, do not represent the maximum benefit under the SSDI program. In fact, these figures are not typically used in the context of SSDI; rather, they may relate to other forms of insurance or benefits that have different rules for calculation. Thus, understanding that the SSDI maximum benefit aligns directly with the Primary Insurance Amount clarifies why the full PIA amount is the correct maximum benefit amount.