Average SSDI Payment in Arizona

The average monthly SSDI payment in Arizona is approximately $1,540. However, this is just an average — your benefit could be higher or lower depending on your specific circumstances.

What Determines Your SSDI Payment Amount?

Several key factors influence how much you receive in SSDI benefits:

• Work History: SSDI is based on the amount of time you’ve worked and paid Social Security taxes.
• Earnings Record: The Social Security Administration (SSA) calculates your benefits using your average indexed monthly earnings (AIME) from your highest-earning years.
• Primary Insurance Amount (PIA): Your monthly payment is based on your PIA, which is derived from your AIME.

Generally, the more you’ve earned and paid into the system over the years, the higher your monthly SSDI payment will be.

Maximum SSDI Benefit

In 2025, the maximum monthly SSDI payment is $3,822. This amount typically applies to individuals who had very high earnings over many years.

How to Estimate Your SSDI Benefit

To find out what your actual SSDI payment might be:

• Create an SSA Account: Sign up for a "my Social Security" account online to view your estimated benefits.
• Use SSA Tools: The SSA offers calculators that allow you to input your earnings and get a personalized estimate of your benefit.