Direct answer
Is SSDI taxable?
SSDI can be federally taxable: up to 50% of benefits are taxable if your combined income is between $25,000 and $34,000 (single) or $32,000 and $44,000 (joint), and up to 85% is taxable above those thresholds.
The SSA states that combined income equals adjusted gross income plus nontaxable interest plus half of Social Security benefits. Some states also tax SSDI, though most do not.
Sourced from ssa.gov — see citations below.
Federal tax rule
Up to 85% of SSDI can be federally taxable when combined income exceeds the higher threshold ($34,000 single / $44,000 joint).
State taxes
Most states do not tax SSDI; check your state's rules.
Topics
Sources
Every figure and rule on this page is drawn from official SSA publications. Verify at the links below.
- SSA — Benefits Planner: Income Taxes (ssa.gov)