AIME
AIME is a monthly average of your highest earning years, adjusted for wage growth. Social Security uses it to figure out your SSDI or retirement payment.
Also known as
Related terms
- Bend Points
Bend Points are the dollar thresholds SSA uses to turn your AIME into a benefit amount. They give a higher percentage of benefits to lower lifetime earnings.
- PIA
PIA is the base monthly Social Security benefit you would get at full retirement age. SSDI payments are also based on the PIA.
- Social Security Disability Insurance
A federal insurance program that provides monthly income to workers who become disabled and can no longer engage in substantial gainful activity, funded through payroll taxes (FICA).
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Frequently asked questions about AIME
What is AIME?+
Average Indexed Monthly Earnings, the wage-adjusted monthly average SSA uses to size your benefit.
Who qualifies for AIME?+
Anyone applying for SSDI or Social Security retirement.
How do I apply for AIME?+
You don't apply for AIME; SSA calculates it from your earnings record.
Where can I get help?+
Call BenefitKarma at (866) 201-2604 or use our free benefit screener.