Effective Date: December 23, 2025
Last Updated: December 23, 2025
Our Mission
SSDICalculator.com provides accurate, up-to-date information about Social Security Disability Insurance (SSDI) benefits, eligibility requirements, and related financial calculations. Our goal is to help individuals understand their potential benefits and navigate the SSDI system with reliable, fact-based information.
Editorial Standards
Accuracy and Verification
- All SSDI benefit calculations are based on official Social Security Administration (SSA) formulas and guidelines
- Information about eligibility, requirements, and procedures is verified against current SSA regulations
- Benefit amounts, income thresholds, and other numerical data are updated when SSA announces changes
- We cite official government sources (SSA.gov) as primary references for all policy information
Content Review Process
- All content is reviewed by team members knowledgeable in Social Security programs
- Calculator tools are tested against SSA examples and real-world scenarios
- Updates to SSA policies trigger immediate content reviews and corrections
- User-reported errors are investigated within 48 hours
What We Don’t Do
- We do not provide legal advice or represent individuals in disability claims
- We do not guarantee approval of SSDI applications
- We do not make personalized benefit determinations (only the SSA can do this)
- We do not advocate for or against specific policies
Sources
Primary Sources
- Social Security Administration (SSA.gov)
- Federal Register notices
- SSA Program Operations Manual System (POMS)
- Congressional Budget Office reports
Data Updates
- Annual Cost of Living Adjustments (COLA): Updated each October/November
- Substantial Gainful Activity (SGA) limits: Updated annually
- Benefit formulas: Updated when SSA publishes changes
- State-specific information: Reviewed quarterly
Financial Calculations
Our Calculators
SSDI Benefits Calculator:
- Uses SSA’s Primary Insurance Amount (PIA) formula
- Based on Average Indexed Monthly Earnings (AIME)
- Accounts for bend points that change annually
- Provides estimates only; actual benefits determined by SSA
Backpay Calculator:
- Calculates retroactive benefits based on established onset date
- Accounts for 5-month waiting period
- Does not include attorney fees or other deductions
Work Credit Calculator:
- Based on SSA’s quarter of coverage requirements
- Uses current year work credit thresholds
Limitations
- Calculators provide estimates, not official determinations
- Results depend on accuracy of information entered
- Special circumstances (windfall provisions, government pensions) may affect actual benefits
- Official benefit amounts can only be obtained from the SSA
No Legal or Government Affiliation Disclaimer
SSDICalculator.com:
- Is not affiliated with the Social Security Administration
- Is not a government website
- Does not provide legal advice
- Does not submit applications on behalf of users
All content is for informational and educational purposes only.
Advertising and Sponsorship
Disclosure Policy
- All paid partnerships, sponsorships, or affiliate relationships are clearly disclosed
- Advertising does not influence editorial content or calculator methodology
- We do not accept compensation for favorable coverage or biased recommendations
- Calculator results are never modified based on advertiser relationships
Prohibited Advertising
- No ads promising guaranteed SSDI approval
- No ads for services that charge upfront fees before SSA approval
- No misleading claims about benefit amounts or eligibility
Corrections Policy
When We Make Corrections
- Factual errors are corrected immediately upon verification
- Outdated information is updated when SSA policy changes
- Calculator errors are fixed and users are notified if possible
How to Report Errors
- Email corrections to our editorial team
- Include specific details about the error and relevant SSA sources
- We respond to all correction requests within 48 hours
User-Generated Content
- Comments and user questions do not represent our editorial position
- We moderate comments to remove spam, harassment, or misleading claims
- User experiences shared on the site are not verified by our team
- We are not responsible for advice given by users in comments or forums
Privacy and Data
- We do not store personal benefit information entered into calculators
- No personally identifiable information is required to use our tools
- We comply with applicable privacy laws and regulations
- See our Privacy Policy for complete details
State-Specific Information
- State pages provide general information about SSDI in each state
- SSDI is a federal program; basic eligibility and benefits are uniform across states
- State differences may include supplemental programs, local resources, and processing times
- State information is reviewed quarterly and updated as needed
Contact Information
For Editorial Questions:
Email: ashumabiswas@gmail.com
For Calculator Issues:
Email: ashumabiswas@gmail.com
For Corrections:
Email: ashumabiswas@gmail.com
Changes to This Policy
We may update this editorial policy to reflect changes in our practices or legal requirements. Material changes will be noted with an updated “Last Updated” date. Continued use of the site after changes constitutes acceptance of the revised policy.
Disclaimer: SSDICalculator.com is not affiliated with the Social Security Administration. We provide informational tools and resources only. For official benefit determinations, contact the SSA directly at 1-800-772-1213 or visit SSA.gov.