Overview of the Social Security Countable Income Test

Understanding the countable income test and its calculation will help you to relate it to the Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Though it may appear confusing, obtaining the right information will certainly help you to find out your financial eligibility in either of these programs and in other programs such as those of the US Department of Agriculture’s Food and Nutrition Service Supplemental Nutrition Assistance Program (SNAP).

What is Countable Income Test?

Countable income is the net income remaining after deducting the exclusions like to and fro commutation charges, value of any unpaid help for impairment, or other work related expenses. But the taxes, insurance premiums or other deductions are not removed from the income. This countable income is compared against the limit of Substantial Gainful Activity (SGA) set by the Social Security Administration (SSA). A person is considered to be eligible for the federal benefits only when his countable income is below the standard level of SGA limit and if not he is regarded as engaged in a SGA activity.

Importance of the Test

This test can help you to obtain the financial assistance provided by the federal government for people with disabilities. SSDI is funded through the Social Security taxes paid by employed individuals, whereas the SSI is funded through the general tax revenues. SSDI is insurance and its check depends on the year of working and the amount of taxes paid. SSI is provided to people with disabilities, limited assets and income.

Apart from your calculations, SSA also checks if you have been receiving the SSDI benefits checks for at least 2 years. They will also find out if you have engaged in a SGA and if your disability has been rectified.

Preparing for the Test

If you find yourself eligible for any of the federal benefits programs to the disabled, then you should collect documents to provide evidence for your claims. You may need all the financial documents that shows your cash and check income sources, other funds and savings accounts, food and shelter expenses and family size records. You should also provide details about the other benefits you have applied for or about those you have received thus far.

Final Word

In order to receive proper guidance and assistance in calculating the social security countable income test, you can take the help of a disability lawyer. You can also receive necessary assistance from the Social Security Administration Offices spread across the various parts of the country.