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Calculator and scenarios

Lucy

Lucy

Lucy, who is not blind, works as a customer service associate in a store. She has no impairment-related work expenses. Explore how Lucy’s income would change if she signs up for POD.

Monthly gross earnings $974
SSDI benefit $1,200/month

Lucy earns $12.50 per hour and works 18 hours a week. Her monthly earnings ($974) are below the Substantial Gainful Activity level ($1,180 for 2018). Lucy’s monthly SSDI benefit is $1,200. The table below shows Lucy’s income under current SSA rules and the new POD rules.

  • Current SSA rules: Lucy’s monthly income does not change based on her Trial Work Period (TWP) status because she earns below the Substantial Gainful Activity level.  Lucy’s monthly income will be $2,174 if she earns $974.
  • POD rules: Lucy’s monthly monthly income will be $2,112 if she earns $974.

Lucy should consider her TWP status and future earnings before enrolling in POD. Lucy could only benefit from POD if she 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

$974

  •  $12.50
  • * 18 hours
  • * 4.33 weeks
  • = $974
$974
  • $12.50
  • * 18 hours
  • * 4.33 weeks
  • = $974
$974
  • $12.50 earnings/hour
  • * 18 hours worked/week
  • * 4.33 weeks in a month
  • = $947
Monthly SSDI benefit (earnings adjusted) +$1,200 If Lucy is still in her nine-month TWP, she will receive her full SSDI benefit amount this month. +$1,200 Because Lucy earns less than the monthly non-blind Substantial Gainful Activity amount of $1,180, she will receive her full SSDI benefit this month. +$1,138 Lucy earns more than the monthly POD threshold amount of $850. If she enrolls in POD, her SSDI benefit will be reduced by $1 for every $2 she earns over $850.
    Earnings used to
    calculate POD offset=
  • $974
    (monthly earnings)
  • - $850
    (POD threshold)
  • = $124
    POD offset =
  • $124
    POD offset earnings)
  • / 2
    ($1 for $2 offset)
  • =$62
    Monthly Benefit=
  • $1,200
    (full SSDI benefit)
  • - $62
    (POD offset)
  • = $1,138
Monthly income

=$2,174

=$2,174

=$2,112