How does Social Security calculate pre-injury earnings?

The Social Security Administration computes the disabled person’s “ACE” which stands for “Average Current Earnings.”

To calculate the Average Current Earnings, the Social Security Administration looks at the disabled person’s earnings year in which he became disabled and the 5 previous years.

In a second method, the Social Security Administration looks at the disabled person’s 5 highest consecutive years of earnings in his lifetime, and divides the 5 years of income by 60 to get a monthly average. Whichever method produces the highest number yields the Average Current Earnings.