How Much are Disability Benefits in New York? Average SSDI, SSI, and State Benefit Amounts
January 12, 2024 · 4 min read
Why trust us?
Atticus offers free, high-quality disability advice for Americans who can't work. Our team of Stanford and Harvard trained lawyers has a combined 15+ years of legal experience, and have helped over 10,000 Americans apply for disability benefits.
In New York, state disability insurance provides benefits for up to 26 weeks, with a maximum payment of $170 per week. Social Security Disability Insurance in New York averages $1,540.57 monthly, and the average monthly payment for SSI is $608.38 (according to the SSA’s most recent Annual Report).
The program you qualify for determines what your benefit payment will be.
We’ll explain how benefit amounts are calculated, and explain what amount you can expect — based on your program eligibility, work history, and current income.
New York disability benefits pay chart 2024
$608.38 per month
$943 per month
$1,540.57 per month
$3,822 per month
State disability benefits
50% of your average weekly wage
$170 per week
How are state disability benefits calculated in New York?
Your state disability benefits are based on your prior wages. You’ll be paid 50% of your average weekly wage, though this is capped at a maximum of $170 per week.
This average weekly wage is calculated based on your last 8 weeks of work. If you’re unemployed when you become disabled, disability benefits may also replace unemployment insurance benefits. Read more about State Disability benefits here.
How is SSDI calculated in NY?
Your SSDI payment is based on how much you’ve historically paid into Social Security through taxes. That check size is equal to the amount you would receive in retirement benefits, were you to draw them today.
The formula used to calculate this is actually quite complex. In short, the SSA averages your monthly earnings for up to 35 years of wages — then adjusts them for inflation. They average those adjusted wages to calculate your Average Indexed Monthly Earnings (AIME) — and your payment is based on “slices” of that. You can read more about the full equation here.
The easiest way to find out exactly what your SSDI amount would be is to create an account at SSA.gov. You’ll be able to see what your estimated SSDI amount would be, and confirm your technical eligibility for the program. Here’s an article that walks you through creating an account.
How is SSI calculated in NY?
Your SSI amount is based on a set federal benefit rate, and your other income sources. This benefit rate is $943 in 2024.
Put simply: Your monthly SSI benefit = the maximum SSI federal benefit rate – your countable income.
So if you have no other income sources, your SSI amount should be $943 per month. If you receive $190 in food stamps, but no other income, your SSI amount would be $753 ($943 - $190).
Can I receive benefits from multiple programs at once?
You can apply for state benefits alongside other disability benefits, but it’s unlikely you’ll receive both benefits simultaneously. It takes months — sometimes years — to get approved for federal disability programs. So your state benefits will likely have expired by the time your SSDI or SSI benefits are in place.
You can also apply for SSDI and SSI at the same time; both programs even use the same application.
If you qualify for SSDI your benefit is almost always higher than with SSI — but you still might want to apply for both. That’s because both programs come with free healthcare (Medicare for SSDI and Medicaid for SSI) — but with SSDI, there’s a waiting period for that health insurance to kick in. With SSI, you’ll start receiving health insurance the moment your application is approved.
Who qualifies for disability in New York?
You qualify for New York disability benefits if your disability was caused “off-the-job” and you’re currently seeing a physician, chiropractor, podiatrist, psychologist, dentist, or certified nurse midwife. If you were injured on-the-job, you qualify for New York workers’ compensation instead.
You qualify for SSDI if you have a medical condition that will prevent you from working for at least a year. You’ll also have to meet work history requirements; most people meet these eligibility qualifications if they’ve worked 5 out of the last 10 years. Learn more about qualifying for SSDI in New York.
The average SSDI payment is $1,540.57 per month in New York, and the average SSI payment is $608.38. State disability benefits in New York depend on your former average weekly wage — but the maximum amount is $170 per week.
How much are most disability checks?
The average Social Security Disability Insurance check amount is between $1,400 and $1,500 monthly in most states. The average monthly SSI benefit is worth between $500 and $700 in all states
How long does it take to get disability in NY?
For New York State disability benefits, there is a seven day waiting period during which no benefits are paid or accumulated. Benefits begin on the eighth consecutive day of disability. These benefits last up to 26 weeks. Federal disability benefits (SSDI and SSI) have longer waiting periods (several months to over a year) — but last indefinitely.
At the bottom of many websites, you'll find a small disclaimer: "We are not a law firm and are not qualified to give legal advice." If you see this, run the other way. These people can't help you: they're prohibited by law from giving meaningful advice, recommending specific lawyers, or even telling you whether you need a lawyer at all.
There’s no disclaimer here: Atticus is a law firm, and we are qualified to give legal advice. We can answer your most pressing questions, make clear recommendations, and search far and wide to find the right lawyer for you.
Two important things to note: If we give you legal advice, it will be through a lawyer on our staff communicating with you directly. (Don't make important decisions about your case based solely on this or any other website.) And if we take you on as a client, it will be through a document you sign. (No attorney-client relationship arises from using this site or calling us.)