How is Social Security Disability Calculated
function calculateSSDBenefit() {
var averageMonthlyEarnings = parseFloat(document.getElementById("averageMonthlyEarnings").value);
var birthYear = parseInt(document.getElementById("birthYear").value);
var disabilityOnsetYear = parseInt(document.getElementById("disabilityOnsetYear").value);
var resultDiv = document.getElementById("result");
// Clear previous results
resultDiv.innerHTML = "";
resultDiv.style.display = "none";
// Input validation
if (isNaN(averageMonthlyEarnings) || averageMonthlyEarnings <= 0) {
resultDiv.style.display = "block";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
resultDiv.innerHTML = "Please enter a valid positive number for Average Monthly Earnings.";
return;
}
if (isNaN(birthYear) || birthYear new Date().getFullYear()) {
resultDiv.style.display = "block";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
resultDiv.innerHTML = "Please enter a valid Birth Year.";
return;
}
if (isNaN(disabilityOnsetYear) || disabilityOnsetYear new Date().getFullYear() + 5) { // Allow a few years into the future for planning
resultDiv.style.display = "block";
resultDiv.style.backgroundColor = '#f8d7da';
resultDiv.style.borderColor = '#f5c6cb';
resultDiv.style.color = '#721c24';
resultDiv.innerHTML = "Please enter a valid Year Disability Began (must be after birth year).";
return;
}
// For simplicity, we'll use the provided averageMonthlyEarnings directly as AIME.
// In a real SSA calculation, AIME involves indexing past earnings and selecting highest 35 years.
var aime = averageMonthlyEarnings;
// 2024 Bend Points for PIA calculation
var firstBendPoint = 1174;
var secondBendPoint = 7078;
var pia = 0;
if (aime <= firstBendPoint) {
pia = 0.90 * aime;
} else if (aime <= secondBendPoint) {
pia = (0.90 * firstBendPoint) + (0.32 * (aime – firstBendPoint));
} else {
pia = (0.90 * firstBendPoint) + (0.32 * (secondBendPoint – firstBendPoint)) + (0.15 * (aime – secondBendPoint));
}
// Round PIA to two decimal places
pia = Math.round(pia * 100) / 100;
resultDiv.style.display = "block";
resultDiv.style.backgroundColor = '#eaf7ee';
resultDiv.style.borderColor = '#d4edda';
resultDiv.style.color = '#155724';
resultDiv.innerHTML = "