Question

What is my part time work income limit while on ssdi without having to pay tax?

Forum|Forum|1 year ago
March 5, 2025
2 replies
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I read something that said I take 50% of "SSDI" income and add part time work income. *What is the max "work" income I can earn before having to pay income tax? * Is there a maximum amount of "combined" income I can receive before having to pay tax?

X

xmasbaby0

Employee

Before you reach full retirement age, if you continue working while drawing SS, your benefits can be reduced if you earn over a certain limit. (For 2021 it was $18,960. For 2022 it was $19,560 — for 2023 $21,240) For 2024, $22,320.

After full retirement age, no matter how much you continue to earn, your benefits are not reduced by your earnings; your employer will still have to withhold for Social Security and Medicare. If you work as an independent contractor then you will pay self-employment tax for Social Security and Medicare.

To see how much of your Social Security was taxable, look at lines 6a and 6b of your 2024 Form 1040

https://www.irs.gov/help/ita/are-my-social-security-or-railroad-retirement-tier-i-benefits-taxable

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**

X

xmasbaby0

Employee

You need to file a federal return if half your Social Security plus your other income is

Single or Head of Household $25,000

Married Filing Jointly $32,000

Married Filing Separately $0

Some additional information: There are 9 states that tax Social Security—Colorado, Connecticut, Kansas, Minnesota, Montana, New Mexico, Rhode Island, Utah, and Vermont These states offer varying degrees of income exemptions, but two mirror the federal tax schedule: MN and VT.

**Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**

M

MayaD

Social Security Disability Insurance (SSDI) benefits may be taxable if you receive income from other sources.

To determine if your benefits are taxable, you should take half of the Social Security money you collected during the year and add it to your other income. Other income includes pensions, wages, interest, dividends and capital gains.

If you are single and that total comes to more than $25,000, then part of your Social Security benefits may be taxable.
If you are married filing jointly, they should take half of their Social Security, plus half of your spouse's Social Security, and add that to all your combined income. If that total is more than $32,000, then part of their Social Security may be taxable.

irs.gov

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