How is your disability calculated?
Emma Jordan
Published Feb 27, 2026
Check your statement by logging on to my Social Security. You can also use the benefits calculator online at to get an estimate of the amount of your disability benefits.
Do you lose disability when you retire?
At full retirement age — currently 66 and 2 months and gradually rising to 67 over the next several years — your SSDI payment converts to a retirement benefit. For most beneficiaries, the amount remains the same.
What do you need to know about disability retirement?
(FERS) This pamphlet contains basic information concerning disability retirement benefits under the Federal Employees Retirement System (FERS). This is for use by individuals who want to apply for disability retirement. The information provided is based on current law and regulation, which is subject to change.
How is Social Security disability calculated when you become disabled?
When you become disabled before retirement age, the SSA realizes that you probably do not have 35 years of work history on your record, so it goes an extra step to determine how many years to use in the AIME calculation.
How is disability calculated for retired military personnel?
Your disability percentage, referred to as Method A. Your years of active service, referred to as Method B. Your pay will be computed based on whichever method is more beneficial for you. If you have been transferred from the TDRL to the PDRL, your retired pay will be recalculated using your most current disability rating.
How to apply for Social Security disability retirement?
Applying for FERS Disability Retirement. You must complete the following forms: SF 3107, Application for Immediate Retirement, and; SF 3112, Documentation In Support of Disability Retirement; If you are under age 62, documentation that you have applied for social security disability benefits after you separated from your agency.