Social Security Disability Insurance (SSDI) is a lifeline for people facing disabilities. But navigating the world of public benefits can feel like deciphering a foreign language. One question that pops up often: “Will other programs I get affect my SSDI?”
The good news? Not all public benefits are created equal. Some actually boost your overall income, stacking nicely on top of your SSDI without taking a single bite out of your monthly payout. Let’s explore some of these hidden gems:
1. Veterans Administration (VA) benefits, like disability compensation or pensions, do not lower your SSDI, allowing you to reap the rewards of both programs.
2. State and local government benefits, like food stamps or Medicaid, often don’t count towards your SSDI income as long as they’re funded without Social Security taxes. That means you can access essential support without impacting your hard-earned SSDI.
3. Remember that Social Security tax deducted from your past earnings? That counts as “earned income” and doesn’t affect your SSDI. So, if you’re receiving unemployment benefits or worker’s compensation with Social Security tax coming out, your SSDI stays safe and sound.
Know Your Numbers, Secure Your Future:
Understanding how your income and disability onset date factor into your SSDI is key to maximizing your benefits. Researching your work history and disability timeline can be a game-changer.