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Calculator and scenarios

Rabiah

Rabiah

Rabiah, who is not blind, does not currently work, but she wants to return to work soon. Rabiah receives both Social Security Disability Insurance (SSDI) and Social Security Insurance (SSI). She does not receive any other unearned income, such as a pension or Veterans (VA) benefits. Explore how her income would change if she signed up for POD.

Monthly gross earnings  $0
SSDI benefit $700/month
SSI benefit $70/month

Because Rabiah is currently unemployed, her monthly earnings ($0) are lower than the Substantial Gainful Activity level ($1,180 for 2018). She currently receives both Social Security Insurance (SSI) and Social Security Disability Insurance (SSDI) benefits. The table below shows Rabiah’s income under current SSA rules and the new POD rules.

  • Current SSA rules: Rabiah’s monthly income does not change based on her Trial Work Period (TWP) status because she earns below the Substantial Gainful Activity threshold. Rabiah’s monthly income will be $770.
  • POD rules: Rabiah’s monthly income will be $770 if she has no earnings.

Because Rabiah receives both SSI and SSDI, she should contact the POD call center at 1-888-771-9188 if she is interested in POD. SSI benefit calculations are complicated. For example, if Rabiah decides to go back to work, even a small increase in earnings (as little as $65) will affect her SSI benefit amount. A POD specialist can talk to Rabiah about the risks and benefits of POD and about how returning to work might impact her benefits and income.

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

$0

$0
$0
Monthly SSDI benefit (earnings adjusted) +$700 If Rabiah is still in her nine-month TWP, she will receive her full SSDI benefit amount this month. +$700 If Rabiah has completed her TWP, she will still receive her full SSDI benefit because she earns less than the monthly non-blind Substantial Gainful Activity amount of $1,180. +$700 Rabiah earns less than the POD threshold amount of $850. If she enrolls in POD, she will receive her full SSDI benefit.
Monthly SSI benefit (earnings adjusted) +$70
    Countable unearned income=
  • $700
    (SSDI benefit)
  • - $20
    (unearned income exclusion)
  • = $680
    Adjusted SSI benefit=
  • $750
    (SSI benefit)
  • - $680
    (countable unearned income)
  • =$70
+$70
    Countable unearned income=
  • $700
    (SSDI benefit)
  • - $20
    (unearned income exclusion)
  • = $680
    Adjusted SSI benefit=
  • $750
    (SSI benefit)
  • - $680
    countable unearned income)
  • =$70
+$70
    Countable unearned income=
  • $700
    (SSDI benefit)
  • - $20
    (unearned income exclusion)
  • = $680
    Adjusted SSI benefit=
  • $750
    (SSI benefit)
  • - $680
    (countable unearned income)
  • =$70
Monthly income =$770 =$770 =$770