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.
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Frequently asked questions about Bend Points
What is 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.
Who qualifies for Bend Points?+
Adults under full retirement age who have a qualifying medical condition expected to last 12+ months and who have earned enough recent work credits.
How do I apply for Bend Points?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply. Official forms and instructions: https://www.ssa.gov/oact/cola/bendpoints.html.
Where can I get help?+
Run the SSDI Filing Success Score to check your readiness, then the SSDI Benefit Estimator to size up your monthly payment. Local Social Security field offices can also help you apply at no cost.