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Income Taxes and Social Security Disability Benefits

SSDI benefits - income taxes

Calculate Your Disability Benefit

Paying Taxes on SSDI

Generally speaking, you do not have to pay taxes on Social Security disability benefits. The only time that you might have to is if you have other substantial income in addition to your benefits (such as spousal income or something other than earned income).

Filing as an “individual”

If your combined income is:

  • $25,000 or less, you will pay no income tax.
  • Between $25,000 and $34,000, you may have to pay income tax on up to 50% of your benefit.
  • More than $34,000, up to 85% of your benefit may be taxable.

Filing a join return

If your combined income is:

  • $32,000 and less, you will pay no income tax.
  • Between $32,000 and $44,000, you may have to pay income tax on up to 50% of your benefit.
  • More than $44,000, up ot 85% of your benefit may be taxable.

Your adjusted gross income
+ Nontaxable interest
+ ½ of your Social Security benefits
= Your “combined income”

Income taxes and ssdi benefits

Income Taxes and Social Security Supplemental Income Benefits

Although social security benefits are taxable, you do not have to pay taxes on SSI because your income levels will not be high enough to trigger federal income taxation. Individual who make $25,000 or less annually do not have to pay income tax.

If you are a joint filer, you can earn up to $32,000 and not be subject to federal income taxation. Because SSI is a needs based program, if your income exceeds these levels, it is likely that you will lose your SSI benefit.

SSDI Benefits Calculator

How Much Can I Expect In SSDI Payments?

You could earn up to $3,148/month in SSDI benefits.

Do I Qualify for Social Security Disability?

Browse our SSDI resource library to find clear answers and determine if you qualify for up to $3,148/month in SSD benefits.

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March 15, 2022

Written by TC Newlin

TC is a disability litigator and one of the managing partners in the Social Security Disability Department at Fleschner, Stark, Tanoos & Newlin. He has had the pleasure of helping thousands of people obtain the benefits they so desperately need.

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