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Calculator and scenarios

Steve

Steve

Steve, who is blind, works as a social media coordinator for a small business. He has no impairment-related work expenses. Explore how Steve’s income would change if he signs up for POD.

Monthly gross earnings $2,338
SSDI benefit $1,300/month

Steve earns $18 per hour and works 30 hours a week. His monthly earnings ($2,338) are above the Substantial Gainful Activity level for blind beneficiaries ($1,970 for 2018). Steve’s monthly SSDI benefit is $1,300. The table below shows Steve’s income under current SSA rules and the new POD rules.

  • Current SSA rules: Steve’s monthly income will change depending on whether he has completed his Trial Work Period (TWP). If Steve earns $2,338, his monthly income in the TWP will be $3,638. After the TWP, his income will be $2,338.
  • POD rules: Steve’s monthly income will be $2,894 if he earns $2,338.

Steve should consider his TWP status and future earnings before enrolling in POD. Steve could potentially benefit from POD if he expects to regularly earn more than $1,970 per month.

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

$2,338

  •  $18
  • * 30 hours
  • * 4.33 weeks
  • = $2,338
$2,338
  • $18
  • * 30 hours
  • * 4.33 weeks
  • =$2,338
$2,338
  • $18 earnings/hour
  • * 30 hours worked/week
  • * 4.33 weeks in a month
  • =$2,338
Monthly SSDI benefit (earnings adjusted) +$1,300 If Steve is still in his nine-month TWP, he will receive his full SSDI benefit amount for this month. +$0 If Steve has completed his TWP, he will not receive his SSDI benefit this month because he earns more than the monthly blind Substantial Gainful Activity amount of $1,970. +$556 Steve 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=
  • $2,338
    (monthly earnings)
  • - $850
    (POD threshold)
  • = $1,488
    POD offset =
  • $1,488
    (POD offset earnings)
  • / 2
    ($1 for $2 offset)
  • =$744
    Monthly Benefit=
  • $1,300
    (full SSDI benefit)
  • - $744
    (POD offset)
  • = $556
Monthly income

=$3,638

=$2,338

=$2,894