I'm retiring at the end of this year due to having Parkinson's.
I qualified for SSDI as of 11/15/25, monthly payment is $2930.
I have two small federally taxable pensions that will provide another $932 a month, before taxes.
My total income before taxes in 2026 will be $46,344.
I have to pay COBRA of $1200 a month all year.
The standard deduction for 2026 will increase to $16,100 for single tax filers.
Question: Should I be looking to limit my taxable income in 2026 to $46,344 (I don't know how much of the $2930 SSDI monthly income is taxable) by drawing any funds needed for living expenses above the $46.344 from my ROTH IRA account?
I'm trying to figure out what my 2026 AGI will be, and if by keeping it as small as possible if I will be able to deduct the $1200 a month COBRA expense (If it's more that 7.5% of my AGI) and get back more than if I just go with the standard deduction in 2026?
Thank you for any and all input. I'm a little confused how to calculate all of these variables!
