What determines the monthly SSDI benefit amount for a recipient?

The correct answer regarding the determination of the monthly SSDI (Social Security Disability Insurance) benefit amount is based on an average of past earnings. SSDI benefits are calculated using a formula that takes into account the individual's work history and the income they reported to Social Security over their lifetime. Each individual's earnings are indexed to account for changes in average wages over time, and then the Social Security Administration (SSA) uses these indexed earnings to calculate the average indexed monthly earnings (AIME). From the AIME, a benefit amount is derived based on a specific formula that replaces a portion of the individual's past earnings, which ensures that those who earned more prior to becoming disabled receive higher benefits, reflecting their contributions to the Social Security system.

In contrast, the other options do not accurately reflect how SSDI benefits are calculated. The number of dependents does influence benefits regarding other programs, but not the SSDI benefit rate itself. A flat rate set by the government does not apply as SSDI benefits are personalized based on individual earnings histories. Lastly, a recipient's current job status is irrelevant for SSDI benefits since they are specifically for individuals who are no longer able to work due to a qualifying disability and do not factor in current job status in benefit calculations.