Which factor affects the amount of monthly disability benefits payable under social security?

The amount of monthly disability benefits payable under Social Security is influenced significantly by the total income and resources available to the claimant, including benefits received from other sources. This is because Social Security aims to ensure that benefits are equitable and not overly generous when an individual has multiple streams of income. For example, if a claimant is receiving benefits from other programs like workers’ compensation or private disability insurance, the Social Security Administration may reduce the amount of Social Security disability benefits accordingly. This principle is part of the offset provision, which allows Social Security to adjust their payouts to prevent overcompensation.

The other options, while relevant to different aspects of disability and insurance, do not directly influence the calculation of Social Security benefits in the same way. The age of the claimant generally affects eligibility criteria but not the benefit amount directly. Length of policy ownership pertains more to private insurance policies than Social Security benefits. Health status is crucial for determining eligibility but does not affect the calculation of the monthly benefit amount itself.