Question

Is Social Security Disability Income Taxable?

Answer

Social security

Regarding social security disability tax consequences, if you’re required to file an individual income tax return, Social security disability income (SSDI) is taxed the same as other social security benefits.

None of your SSDI is taxable if half of your SSDI plus all your other income is less than:

  • $25,000 if filing single, head of household, or married filing separately (if you and your spouse lived apart at all times during the year)
  • $32,000 if married filing jointly
  • $0 if married filing separately (if you and your spouse lived together at any time during the year)

Special Rules Around SSDI Tax Consequences

However, if half of your SSDI plus all other income is more than the amounts above, part of your benefits may be taxable.

Amount of Income Tax on Social Security Benefits

The amount of income tax on social security benefits depends on the total amount of your benefits and other income. Usually, the higher that total amount, the greater the taxable part of your benefits.

If a portion of your benefits is taxable, usually 50% of your benefits will be taxable. However, up to 85% of your benefits can be taxable if either of these situations applies:

  • The total of half of your benefits and all your other income is more than $34,000 — or $44,000 if married filing jointly.
  • You’re married filing separately and lived with your spouse at any time during the tax year.

Use Worksheet 1 in Publication 915 to figure the taxable portion of your SSDI benefits.

Where to Go for More Help with Social Security Disability Income Tax Consequences

There’s a lot to take in where social security disability income is concerned. If you need help understanding your options, our knowledgeable tax pros can help.

Make an appointment to speak with one of our tax pros today.

Need more options? Discover the many ways to file your taxes with H&R Block.

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