What benefits description applies to a disabled worker under full retirement age?

• A. 50 percent of the primary insurance amount.
• B. 75 percent of the primary insurance amount.
• C. 100 percent of the primary insurance amount.
• D. 125 percent of the primary insurance amount.

Answer: (C)

Disability benefits for someone who is disabled while under full retirement age are equal to 100% of the primary insurance amount. The primary insurance amount (PIA) is the amount a person would receive at their full retirement age for retirement benefits, and for disability, the benefit is set at that full level rather than being reduced for starting early or increased for delaying. If the disability continues, the payment stays at the PIA, and when the person reaches full retirement age, it converts to the same retirement benefit amount without changing the total. So the description that fits is a benefit equal to 100% of the primary insurance amount.