Social Security Disability Insurance (SSDI) benefits can be higher or lower than regular Social Security retirement benefits, depending on an individual's work history and earnings. SSDI is based on the insured person's average lifetime earnings, just like retirement benefits. However, since SSDI is designed for those who are unable to work due to disability, the amount can vary significantly. It's essential to calculate based on specific earnings records to determine which benefit would be higher for an individual.
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