If you are married and you file separate returns, 85% of your social security disability becomes taxable. To determine your taxable income you would multiple .85 by your total disability benefits then add your wages earned.
If you file a separate return, you would then deduct your standard deduction of $12,950 from the total. That would be your taxable income. If you have taxable income of less than $10,275 your tax rate is 10%.
If your husband would choose to Itemize his return instead of taking the standard deduction, you would also need to itemize, but you cannot duplicate expenses. This could mean you would not have the $12,950 standard deduction and would have taxable income of 85% of your disability benefits plus your wages. The amount over $10,275 would be taxed at 12%.
You can enter all of your numbers into TurboTax to determine which way is best for you to file.
(Edited 7:54PM PST 1/24/2023) @-Lm
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