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New Member
posted May 31, 2019 5:50:46 PM

I am on ssdi and file married joint return. Do i list my ssdi income even if its not taxable? Does it get included in our total yearly income?

Filing married jointly i list his income from W2 then i list my ssdi income is this correct?
Even though my ssdi isnt taxable?

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1 Best answer
Alumni
May 31, 2019 5:50:48 PM

When you file as married filing jointly you report all of your income, including SSDI. When 1/2 of your SS benefit (either SSDI or regular SS) plus all of your other joint income is more than $32,000, then up to 85% of your SS benefit is taxable. There is nothing about SSDI that makes it non-taxable if your other income is above the limit. Further, you can not escape it being taxable by filing separately. If you are Married and live with your spouse, there is a special rule that says that if you file as married filing separately and you receive SS benefits (of any sort), then you must include your SS benefits in gross income when deciding whether to file, and 85% of your SS benefit becomes immediately taxable.

6 Replies
Alumni
May 31, 2019 5:50:48 PM

When you file as married filing jointly you report all of your income, including SSDI. When 1/2 of your SS benefit (either SSDI or regular SS) plus all of your other joint income is more than $32,000, then up to 85% of your SS benefit is taxable. There is nothing about SSDI that makes it non-taxable if your other income is above the limit. Further, you can not escape it being taxable by filing separately. If you are Married and live with your spouse, there is a special rule that says that if you file as married filing separately and you receive SS benefits (of any sort), then you must include your SS benefits in gross income when deciding whether to file, and 85% of your SS benefit becomes immediately taxable.

New Member
May 31, 2019 5:50:49 PM

Thank you
We make less then 32000.00 with his income and my ssdi.
If were still married but seperated the entire year we can still file jointly and both incomes?
Thank you again

Alumni
May 31, 2019 5:50:51 PM

If you are still legally married, then you can choose to file as married filing Jointly if both of you agree. When you do that, you must report all of the income that each of you has, including SSDI.

New Member
May 31, 2019 5:50:53 PM

Thank you so very much

New Member
Jan 28, 2020 4:07:39 PM

So what is ago if I get SSDI and my husband made 37000 and filing jointly

 

Expert Alumni
Jan 28, 2020 4:15:34 PM

* Answer Edited 01-28-2020 9:50 PM EST

 

If you are married filing jointly, and you and your spouse have more than $32,000 in income (including half of your SSDI benefits), part of your SSDI benefits will be subject to tax.  The percentage of your SSDI benefits that will be taxed depends on your total income.  If you are married fling joint.

 

If your annual income is $0 - $32,000, None of your SSDI is taxable

If your annual income is $32,000 - $44,00, Up to 50% of your SSDI is taxable

If your annual income over $44,000, up to 85% of your SSDI is taxable