In computing your monthly benefit, it is your lifetime earnings that are indexed and averaged (AIME - Average Indexed Monthly Earnings). Zero years are counted as well as high earning years. Then, there are various percentages applied to that amount to determine the Primary Insurance Amount (PIA) and also is used to compute the Family Maximum. Once the PIA is determined, then Average Current Earnings (recent earnings) is determined. The combination of worker's comp and SSDI cannot be more than 80% of average current earnings. But it is all subject to the AIME, the lifetime earnings computation.