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New jersey disability benefits

How Much Are Disability Benefits in New Jersey?

Written by
Jackie Jakab, Disability Attorney
Jackie Jakab
Lead Attorney
Published June 21, 2024
2 min read
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In New Jersey, about 200,000 residents receive financial support through the Social Security Administration’s and New Jersey’s disability programs. If a non-work-related injury or condition has hindered your ability to work, you may be eligible for both federal and state disability benefits. 

Learn about the SSA’s two disability benefits programs (Social Security Disability Insurance and Supplemental Security Income) and New Jersey’s short-term disability program, and how much you can potentially receive if you qualify. 


How much are Social Security disability benefits in New Jersey?

The maximum federal disability amount for Social Security Disability Insurance (SSDI) is $3,822 per month and $943 monthly for Supplemental Security Income (SSI). However, New Jersey residents may receive additional payment from the state for SSI. New Jersey SSDI recipients can expect healthcare coverage through Medicare. SSI recipients are eligible for Medicaid coverage.

On average, New Jersey residents who receive disability benefits get $575.60 from SSI payments per month and $1,947.46 from SSDI monthly checks. 

Match with a top disability lawyer in New Jersey

Calculating Social Security Disability Insurance in New Jersey

SSA bases your Social Security Disability Insurance benefits amount on your work history and how much you paid in taxes during your working years. The Social Security Administration follows a formula to determine your monthly disability benefits amount. 

The SSA sums up the 35 years of your highest earnings and adjusts the number for inflation to get your Average Indexed Monthly Earnings (AIME). It divides your AIME into three portions, multiplying each by a specific percentage to calculate the Primary Insurance Amount (PIA). The Primary Insurance Amount determines how much you’ll receive in monthly benefit checks through SSDI.  

You can estimate your disability benefit amount by creating a mySocial Security account on SSA.gov. 


Calculating Supplemental Security Income calculated in New Jersey

The SSA calculates your Supplemental Security Income benefits amount by subtracting your countable income from the SSI Federal benefit amount. In 2024, the federal benefit rate is $943. If you’ve earned less than the federal benefit rate in countable income, you may receive the maximum SSI amount. 

The SSA deems the following as countable income for SSI: 

  • Social Security Disability Insurance (SSDI) 

  • Veterans Affairs disability benefits 

  • Unemployment benefits 

  • Workers’ compensation benefits 

  • Part-time, freelance, or seasonal work wages 

  • Employer wages 

  • Money you’ve received from friends and family

  • Your spouse’s income 

  • Retirement benefits 

You can find more examples of countable income in this guide

Estimate your disability benefit amount in just a few steps

We'll use the Social Security Administration's formula to estimate your monthly benefit.

Average
monthly check

$1,489


What is the average disability payment in New Jersey?

In New Jersey, disabled workers on average receive $575.60 in SSI monthly payments. SSDI recipients in New Jersey can expect $1,947.46. 

However, the payment amount you can receive in disability benefits in New Jersey depends on the program you qualify for and your specific case. While Social Security Disability Insurance and Supplemental Security Income have the same medical requirements, the SSA determines technical eligibility based on different factors such as the severity of your medical condition, work history and capability, and earnings. 

New Jersey Disability Benefits Amounts

Disability pay chart in New Jersey

Disability program

Average payment in NJ

Maximum payment

Duration

Social Security Disability Insurance

$1,947.46 per month

$3,822 per month

Indefinite

Supplemental Security Income

$575.60 per month 

$974.25 per month 

Indefinite

New Jersey Temporary Disability Insurance

85% of your average weekly rate 

$1,055 per week

Up to 26 weeks 


How much are TDI benefits in New Jersey?

The TDI benefit amount varies per person—typically 85% of your average weekly wages. In 2024, the maximum weekly benefit rate for TDI benefits in New Jersey is $1,055. New Jersey issues benefits for up to 26 weeks, depending on the severity of your condition. 


SSA offices in New Jersey

Brick

2620 Yorktowne Blvd 

Brick, NJ 08723

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 405-5870

Fax Number: (833) 950-3595

Bridgeton

149 West Brd St 

Bridgeton, NJ 08302

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 837-1235

Fax Number: (833) 950-2990

Bridgewater

245 Us Hwy 22 West Suite 207 

Bridgewater, NJ 08807

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 446-6198

Fax Number: (833) 950-3264

Cherry Hill

6 Executive Campus Suite 200 

Cherry Hill, NJ 08002

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 931-2879

Fax Number: (833) 950-2974

Clifton

935 Allwood Rd 

Clifton, NJ 07012

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 964-0170

Fax Number: (833) 346-7157

East Orange

7 Glenwood Ave Ste 100 

East Orange, NJ 07017

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 964-0030

Fax Number: (833) 950-3311

Egg Harbor Twp

1350 Doughty Rd

Egg Harbor Twp, NJ 08234

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (877) 714-0394

Fax Number: (833) 950-2986

Glassboro

830 Delsea Dr North 

Glassboro, NJ 08028

Hours: Monday - Friday 9:00AM - 4:00PM

Phone Number: (866) 883-5305

Fax Number: (833) 950-2668

See all SSA offices in New Jersey


Get help applying for disability benefits in New Jersey

If you’re getting started on your disability benefits application, you can receive free advice on how to navigate the process from one of our client advocates. In addition, they’ll match you with an expert disability attorney to guide you every step of the way. All you have to do is take our two-minute disability benefits questionnaire, and we’ll do the rest of the heavy lifting for you. 

Frequently asked questions about disability in New Jersey

How do I qualify for disability in New Jersey?

To qualify for disability you need to have a condition that prevents you from working for at least a year. You’ll also need to meet certain work history requirements (for SSDI) or be within certain income limits (for SSI). For more on these requirements, read our full write up here.

What conditions qualify for disability in New Jersey?

Any condition that will prevent you from working for a year or more can qualify for disability benefits. Some of the most common conditions include musculoskeletal disorders, mental disorders, nervous system diseases, and circulatory system diseases. See our full list of conditions that qualify here.

How long does it take to get approved for disability in New Jersey?

It takes an average of 6.1 months to get an initial disability decision in New Jersey. Most people who apply are initially rejected, and need to appeal this decision. If you appeal and go to a hearing, the process takes around two years on average. Read more: How Long It Takes to Get Approved for Disability Benefits

How much does disability pay in New Jersey?

The average SSDI payment in New Jersey is $1,505.33 per month. The average SSI payment is $631.99 per month. What you’ll earn depends on your income, or the amount you’ve historically paid into the Social Security program. Read more on what amount you can expect.

How should I prepare my disability application in New Jersey?

Answer the application questions truthfully, consistently, and succinctly. You should also ensure that you gather and submit all your medical records with your application. The SSA paperwork can be complicated, so our legal team has written a full guide to the application here.

Does New Jersey have a state disability program?

Yes, New Jersey is one of the five states with its own state disability program. Residents can apply for Temporary Disability Insurance, which offers payments for up to 26 weeks. Work injuries aren’t covered, though. If your injury will keep you out of work longer, you can still apply for SSDI and SSI. Read more about the difference between SSDI and SSI here.

Related resources:

New Jersey Disability Benefits

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By Jackie Jakab

SSA Offices in New Jersey

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By Jackie Jakab

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Jackie Jakab, Disability Attorney

Jackie Jakab

Lead Attorney

Jackie Jakab is Atticus’s Legal Director. She’s a licensed attorney, a graduate of the University of Chicago Law School, and has counseled thousands of people seeking disability benefits.
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