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Calculator and scenarios

Joe

Joe

Joe, who is not blind, works as a bus driver. Explore how Joe’s income would change if he signed up for POD.

Monthly gross earnings $1,247
SSDI benefit $1,800/month

Joe earns $12 per hour and works 24 hours a week. His monthly earnings ($1,247) are above the Substantial Gainful Activity level ($1,180 for 2018). Joe’s monthly SSDI benefit is $1,800. The table below shows Joe’s income under current SSA rules and the new POD rules.

  • Current SSA rules: Joe’s monthly income depends on whether he has completed his Trial Work Period (TWP). If Joe earns $1,247, his monthly income in the TWP will be $3,047. After the TWP, his income will be $1,247.
  • POD rules: Joe’s monthly income will be $2,848 if he earns $1,247.

Joe should consider his TWP status and future earnings before enrolling in POD. Joe could potentially benefit from POD if he expects to regularly earn more than $1,180 per month.

  Current SSA rules
(in the TWP)
Current SSA rules
(TWP complete)
New POD rules
(always the same rules)
Monthly
gross earnings

$1,247

  •  $12
  • * 24 hours
  • * 4.33 weeks
  • = $1,247
$1,247
  • $12
  • * 24 hours
  • * 4.33 weeks
  • = $1,247
$1,247
  • $12 earnings/hour
  • * 24 hours worked/week
  • * 4.33 weeks in a month
  • = $1,247
Monthly SSDI benefit (earnings adjusted) +$1,800 If Joe is still in his nine-month TWP, he will receive his full SSDI benefit amount this month. +$0 If Joe has completed his TWP, he will not receive his SSDI benefit this month because he earns more than the monthly non-blind Substantial Gainful Activity amount of $1,180. +$1,601 Joe earns more than the monthly POD threshold amount of $850. If he enrolls in POD, his SSDI benefit will be reduced by $1 for every $2 he earns over $850.
    Earnings used to
    calculate POD offset=
  • $1,247
    (monthly earnings)
  • - $850
    (POD threshold)
  • = $397
    POD offset =
  • $397
    (POD offset earnings)
  • / 2
    ($1 for $2 offset)
  • = $199
    Monthly Benefit=
  • $1,800
    (full SSDI benefit)
  • - $199
    (POD offset)
  • = $1,601
Monthly income =$3,047 =$1,247 =$2,848