Estimate Your Benefit Offset
What is the benefit offset?
For every $2 you earn over the Substantial Gainful Activity (SGA) amount your SSDI cash benefit will be reduced by $1. This is called the benefit offset. The SGA amount for 2008 is $940 ($1,570 if blind). In 2007, it was $900 ($1,500 if blind). Completing the form below will help you estimate what your benefit offset will be depending on how much you earn from work. Remember this is just an estimate! There are many other factors that may affect your SSDI benefit check such as additional work incentives that you will want to discuss with a Benefits Planner/Counselor in your state.
Estimator
Social Security determines the amount of a person’s monthly benefit offset based on an estimate of their yearly income. By answering the questions below you can get a general idea of what your monthly benefit offset will be based on your estimated yearly income. This is only an estimate! If you are using other work incentives such as an Impairment Related Work Expense or a Subsidy please talk with your Benefits Counselor about how these incentives will affect your benefit offset. If your estimated yearly income goes up or down by more than a $1,000 during the year you will want to get a new estimate by entering the new amounts below.
Answers these questions and your benefit offset details will display below. Javascript is required.
| Your estimated annual earnings from work: | Enter above |
| Subtract annual SGA Amount: | -$900 |
| Difference between annual earnings and annual SGA: | --- |
| Divided by 2 = annual offset for # of working months: | ---/2 = |
| Divided by # of working months = monthly benefit offset | |
| Your estimated monthly benefit offset: | --- |
| Your current SSDI cash benefit amount: | Enter above |
| Subtract benefit offset: | ---- |
| Your new cash benefit amount with the benefit offset applied: | --- |
| Your new cash benefit amount with the benefit offset applied AND Medicare Part B premium deducted: | --- |
| Total monthly income from earnings above SGA + new SSDI amount: | --- |