Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie, A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly. I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game. Hugs, Tracie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie, I thought that SSI Disabilty was non taxable. Are you sure your tax person didn't make a mistake? Just asking. t -- SSDI and taxes Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 .. I'm still waiting for that lump sum from ss but it goes to my long term dis insurance company also. Make sure that you don't get the amount doubled since you were -prepaid- by LTD, and then again by SSDI--which is refunded BY YOU back to LTD. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 .. I'm still waiting for that lump sum from ss but it goes to my long term dis insurance company also. Make sure that you don't get the amount doubled since you were -prepaid- by LTD, and then again by SSDI--which is refunded BY YOU back to LTD. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 .. I'm still waiting for that lump sum from ss but it goes to my long term dis insurance company also. Make sure that you don't get the amount doubled since you were -prepaid- by LTD, and then again by SSDI--which is refunded BY YOU back to LTD. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Amen, we have had that talk many times. Elodia > > Debbie, > > A portion of SSDI benefits are taxable, depending on your annual income. > What you have to do is add the total of SSDI and Long-term disability payments > together, along with your spouses income if you're filing jointly-- and then > depending on how much that comes to-- dictates the percentage of your SSDI that > will be taxable. > I hopw you had your taxes done by a professional-- these laws and percentages > change annually and we can really get screwed if we don't have them done > correctly. > I know that this year, since we're not able to claim Tor- that we're in > trouble--I think. I had alot more out of pocket with higher copays and > deductibles, along with the increases in my prescription drug coverage-- so who knows. > I am sure that next year, I will have to have Fed and State withholding on my > SSDI. > I know that this is the reason that and I have had to have that talk > about divorcing, so we can both be extremely poor-- yet still live together. > Damned if it doesn't come down to figuring out the best way to play the game. > > Hugs, > Tracie > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 SSD is taxable by income. I think the cut off is $32,000. If you are married your spouses income usually puts you in the taxable bracket. Elodia > > Debbie, I thought that SSI Disabilty was non taxable. Are you sure your > tax person didn't make a mistake? Just asking. t > > -- SSDI and taxes > > Boy, did I get a big disappointment today! I just went to have my taxes > done. This past year 2005 was the year my Social security disability went > through. Well, I got the lump sum but I had to fork it right over to my > long term disability insurance provider to pay them back, about $28,000. > But I didn't know I would get taxed on that lump sum plus whatever I > received for the rest of the year (which was from March 2005 on). That took > a huge chunk out of my tax return. (To the government it looked like I got > all this money but I really didn't cause I had to pay it back) > Needless to say, we usually get money back , but now we are getting a > quarter of what we usually get. I was upset cause I kind of depended on > that money for bills and such. Talk about stress! > Has this happened to anyone else? > Thanks for listening to me go on, but this really has me upset and I > have nobody else to talk to. Debbie > > > > > Yahoo! Mail - Helps protect you from nasty viruses. > > ~~~~ *** ~~~ *** ~~~ *** ~~~~ > The Neurosarcoidosis Community > > NS CHAT:- Has been cancelled for now. > > Message Archives:- > http://groups.yahoo.com/group/Neurosarcoidosis/messages > > Members Database:- > Listings of locations, phone numbers, and instant messengers. > http://groups.yahoo.com/group/Neurosarcoidosis/database > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Awww, the married thing, I didn't think of that, and of course my SSDI doesn't come close to that. Sorry guys I didn't think about working husbands or wives. t -- Re: SSDI and taxes Debbie,A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly.I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game.Hugs,Tracie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Gosh Bob, I've seen where people on SSDI, where video' d on the news and caught doing things they say they can't to SS. But my experience with this disease is that even though you have good days and bad, you still aren't able to do a whole lot, definitely not enough to hold down a job. I had a nurse in my doctors office to tell me that she was absolutely sure that there was something I could be doing as a nurse, and I asked her and what did she think that would be, she replied precertification in a hospital, well you know that might be, but that is a highly sought after job, and they fill in hospital positions with people that are already employed there. I didn't say anything to the Doctor, but I did tell her main nurse, and needless to say, she no longer works for my doctor. You know, I was a workaholic for 25 years and I really resent people's opinions like that. Even when things are going good for a little bit, there are still days that I can't even get out of bed. And its not like we're asking for a free ride, I've paid that money into the system. teresa -- Re: SSDI and taxes Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Gosh Bob, I've seen where people on SSDI, where video' d on the news and caught doing things they say they can't to SS. But my experience with this disease is that even though you have good days and bad, you still aren't able to do a whole lot, definitely not enough to hold down a job. I had a nurse in my doctors office to tell me that she was absolutely sure that there was something I could be doing as a nurse, and I asked her and what did she think that would be, she replied precertification in a hospital, well you know that might be, but that is a highly sought after job, and they fill in hospital positions with people that are already employed there. I didn't say anything to the Doctor, but I did tell her main nurse, and needless to say, she no longer works for my doctor. You know, I was a workaholic for 25 years and I really resent people's opinions like that. Even when things are going good for a little bit, there are still days that I can't even get out of bed. And its not like we're asking for a free ride, I've paid that money into the system. teresa -- Re: SSDI and taxes Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Gosh Bob, I've seen where people on SSDI, where video' d on the news and caught doing things they say they can't to SS. But my experience with this disease is that even though you have good days and bad, you still aren't able to do a whole lot, definitely not enough to hold down a job. I had a nurse in my doctors office to tell me that she was absolutely sure that there was something I could be doing as a nurse, and I asked her and what did she think that would be, she replied precertification in a hospital, well you know that might be, but that is a highly sought after job, and they fill in hospital positions with people that are already employed there. I didn't say anything to the Doctor, but I did tell her main nurse, and needless to say, she no longer works for my doctor. You know, I was a workaholic for 25 years and I really resent people's opinions like that. Even when things are going good for a little bit, there are still days that I can't even get out of bed. And its not like we're asking for a free ride, I've paid that money into the system. teresa -- Re: SSDI and taxes Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie Last year was the year my ss kicked in too. I'm divorced & have been separated for years so I have no idea what my taxes will be. To be honest I've been too afraid to find out but I have to do it eventually. Maybe I'll have the courage next week to take a look at them. I'm still waiting for that lump sum from ss but it goes to my long term dis insurance company also. grannylunatic@... __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie, it doesn't seem like you should have paid taxes on the lump sum if you could prove you paid it to the disability company. In my case, I will hve to pay taxes this year, because I got the lump sum in Nov., but didn't reimburse the disability company until Jan. 2006. Now in another year, I'll get a break on it, according to the disability company & an accountant. I had a notice about the tax liability if I didn't send it by the end of 2005, but I just didn't get it done. Big shock there. Ramblin' Rose Moderator From: tiodaat@...Reply-To: Neurosarcoidosis To: Neurosarcoidosis Subject: Re: SSDI and taxesDate: Fri, 3 Feb 2006 18:09:32 ESTDebbie,A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly.I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game.Hugs,Tracie ~~~~ *** ~~~ *** ~~~ *** ~~~~The Neurosarcoidosis CommunityNS CHAT:- Has been cancelled for now.Message Archives:-http://groups.yahoo.com/group/Neurosarcoidosis/messagesMembers Database:-Listings of locations, phone numbers, and instant messengers.http://groups.yahoo.com/group/Neurosarcoidosis/database Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie, it doesn't seem like you should have paid taxes on the lump sum if you could prove you paid it to the disability company. In my case, I will hve to pay taxes this year, because I got the lump sum in Nov., but didn't reimburse the disability company until Jan. 2006. Now in another year, I'll get a break on it, according to the disability company & an accountant. I had a notice about the tax liability if I didn't send it by the end of 2005, but I just didn't get it done. Big shock there. Ramblin' Rose Moderator From: tiodaat@...Reply-To: Neurosarcoidosis To: Neurosarcoidosis Subject: Re: SSDI and taxesDate: Fri, 3 Feb 2006 18:09:32 ESTDebbie,A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly.I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game.Hugs,Tracie ~~~~ *** ~~~ *** ~~~ *** ~~~~The Neurosarcoidosis CommunityNS CHAT:- Has been cancelled for now.Message Archives:-http://groups.yahoo.com/group/Neurosarcoidosis/messagesMembers Database:-Listings of locations, phone numbers, and instant messengers.http://groups.yahoo.com/group/Neurosarcoidosis/database Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 3, 2006 Report Share Posted February 3, 2006 Debbie, it doesn't seem like you should have paid taxes on the lump sum if you could prove you paid it to the disability company. In my case, I will hve to pay taxes this year, because I got the lump sum in Nov., but didn't reimburse the disability company until Jan. 2006. Now in another year, I'll get a break on it, according to the disability company & an accountant. I had a notice about the tax liability if I didn't send it by the end of 2005, but I just didn't get it done. Big shock there. Ramblin' Rose Moderator From: tiodaat@...Reply-To: Neurosarcoidosis To: Neurosarcoidosis Subject: Re: SSDI and taxesDate: Fri, 3 Feb 2006 18:09:32 ESTDebbie,A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly.I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game.Hugs,Tracie ~~~~ *** ~~~ *** ~~~ *** ~~~~The Neurosarcoidosis CommunityNS CHAT:- Has been cancelled for now.Message Archives:-http://groups.yahoo.com/group/Neurosarcoidosis/messagesMembers Database:-Listings of locations, phone numbers, and instant messengers.http://groups.yahoo.com/group/Neurosarcoidosis/database Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? Yes, you can request that State and Fed Taxes be withheld. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? Yes, you can request that State and Fed Taxes be withheld. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? Yes, you can request that State and Fed Taxes be withheld. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Hi Tracie, Yeah, my dad did my taxes . He is a professional. He has his own business. I had a lot of copays on prescriptions and doctors, too. But with my spouses income along with the "two" social security sums it looked like we made lots of money. Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? It's probably too late for this year, right? Thanks for your help. Hugs, Debbie Debbie, A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly. I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game. Hugs, Tracie Brings words and photos together (easily) with PhotoMail - it's free and works with Yahoo! Mail. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Hi Tracie, Yeah, my dad did my taxes . He is a professional. He has his own business. I had a lot of copays on prescriptions and doctors, too. But with my spouses income along with the "two" social security sums it looked like we made lots of money. Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? It's probably too late for this year, right? Thanks for your help. Hugs, Debbie Debbie, A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly. I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game. Hugs, Tracie Brings words and photos together (easily) with PhotoMail - it's free and works with Yahoo! Mail. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Hi Tracie, Yeah, my dad did my taxes . He is a professional. He has his own business. I had a lot of copays on prescriptions and doctors, too. But with my spouses income along with the "two" social security sums it looked like we made lots of money. Can you have Federal taxes taken out of your Social Security so you don't have to worry about them at the end of the year? I didn't know that was possible. Maybe that it is the best way to go, huh? It's probably too late for this year, right? Thanks for your help. Hugs, Debbie Debbie, A portion of SSDI benefits are taxable, depending on your annual income. What you have to do is add the total of SSDI and Long-term disability payments together, along with your spouses income if you're filing jointly--and then depending on how much that comes to-- dictates the percentage of your SSDI that will be taxable. I hopw you had your taxes done by a professional-- these laws and percentages change annually and we can really get screwed if we don't have them done correctly. I know that this year, since we're not able to claim Tor- that we're in trouble--I think. I had alot more out of pocket with higher copays and deductibles, along with the increases in my prescription drug coverage-- so who knows. I am sure that next year, I will have to have Fed and State withholding on my SSDI. I know that this is the reason that and I have had to have that talk about divorcing, so we can both be extremely poor-- yet still live together. Damned if it doesn't come down to figuring out the best way to play the game. Hugs, Tracie Brings words and photos together (easily) with PhotoMail - it's free and works with Yahoo! Mail. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Debbie, you are so right. I did consider doing precert or something like medical records, but they want someone who can work steadily, efficiently, and without having to proofread their work 3 times. I would say it takes me 2 to 3 times as long to write a letter, let alone pick through medical charts looking for errors or unneeded procedures. I'm pretty sure no hospital or insurance co. would hire me if I said, "Now, I can do about 3 hours work a day, but I want 8 hrs. pay. I make a lot of mistakes, and I never know from day to day whether I'll be able to come to work. Okay?" I have worked since I was in high school. I put myself through nursing school, and 12 years later worked 20+ hours a week while in midwifery school, plus the usual mom & wife stuff. I even coached one of my daughter's fast pitch softball team! So I'm like you, I resent anyone thinking I just want to goof off. My days are not enjoyable like days off or vacation days when I was working. Today I stayed in bed until after noon, but I was awake for at least two hours. My feet were hurting, my legs were aching, my back & hip were hurting; no matter how I tried to lay, something hurt worse. My mind was buzzing with all the stuff that needed to be done. Then bless her heart, Sam came in to see if I was awake, she could see I was miserable & so she cuddled up to me. I started crying. What a role reversal--I used to cuddle & comfort her! Then she offered to get in the hot tub with me. I had been thinking of how good that would feel, so that's what we did. She had to clear about 3" of snow off the cover first. The warm water helped a lot, but her sweetness was even better. Ramblin' Rose Moderator Reply-To: Neurosarcoidosis To: <Neurosarcoidosis >Subject: Re: SSDI and taxesDate: Fri, 3 Feb 2006 21:52:52 -0600 (Central Standard Time) Gosh Bob, I've seen where people on SSDI, where video' d on the news and caught doing things they say they can't to SS. But my experience with this disease is that even though you have good days and bad, you still aren't able to do a whole lot, definitely not enough to hold down a job. I had a nurse in my doctors office to tell me that she was absolutely sure that there was something I could be doing as a nurse, and I asked her and what did she think that would be, she replied precertification in a hospital, well you know that might be, but that is a highly sought after job, and they fill in hospital positions with people that are already employed there. I didn't say anything to the Doctor, but I did tell her main nurse, and needless to say, she no longer works for my doctor. You know, I was a workaholic for 25 years and I really resent people's opinions like that. Even when things are going good for a little bit, there are still days that I can't even get out of bed. And its not like we're asking for a free ride, I've paid that money into the system. teresa -- Re: SSDI and taxes Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. ~~~~ *** ~~~ *** ~~~ *** ~~~~The Neurosarcoidosis CommunityNS CHAT:- Has been cancelled for now.Message Archives:-http://groups.yahoo.com/group/Neurosarcoidosis/messagesMembers Database:-Listings of locations, phone numbers, and instant messengers.http://groups.yahoo.com/group/Neurosarcoidosis/database Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Debbie, you are so right. I did consider doing precert or something like medical records, but they want someone who can work steadily, efficiently, and without having to proofread their work 3 times. I would say it takes me 2 to 3 times as long to write a letter, let alone pick through medical charts looking for errors or unneeded procedures. I'm pretty sure no hospital or insurance co. would hire me if I said, "Now, I can do about 3 hours work a day, but I want 8 hrs. pay. I make a lot of mistakes, and I never know from day to day whether I'll be able to come to work. Okay?" I have worked since I was in high school. I put myself through nursing school, and 12 years later worked 20+ hours a week while in midwifery school, plus the usual mom & wife stuff. I even coached one of my daughter's fast pitch softball team! So I'm like you, I resent anyone thinking I just want to goof off. My days are not enjoyable like days off or vacation days when I was working. Today I stayed in bed until after noon, but I was awake for at least two hours. My feet were hurting, my legs were aching, my back & hip were hurting; no matter how I tried to lay, something hurt worse. My mind was buzzing with all the stuff that needed to be done. Then bless her heart, Sam came in to see if I was awake, she could see I was miserable & so she cuddled up to me. I started crying. What a role reversal--I used to cuddle & comfort her! Then she offered to get in the hot tub with me. I had been thinking of how good that would feel, so that's what we did. She had to clear about 3" of snow off the cover first. The warm water helped a lot, but her sweetness was even better. Ramblin' Rose Moderator Reply-To: Neurosarcoidosis To: <Neurosarcoidosis >Subject: Re: SSDI and taxesDate: Fri, 3 Feb 2006 21:52:52 -0600 (Central Standard Time) Gosh Bob, I've seen where people on SSDI, where video' d on the news and caught doing things they say they can't to SS. But my experience with this disease is that even though you have good days and bad, you still aren't able to do a whole lot, definitely not enough to hold down a job. I had a nurse in my doctors office to tell me that she was absolutely sure that there was something I could be doing as a nurse, and I asked her and what did she think that would be, she replied precertification in a hospital, well you know that might be, but that is a highly sought after job, and they fill in hospital positions with people that are already employed there. I didn't say anything to the Doctor, but I did tell her main nurse, and needless to say, she no longer works for my doctor. You know, I was a workaholic for 25 years and I really resent people's opinions like that. Even when things are going good for a little bit, there are still days that I can't even get out of bed. And its not like we're asking for a free ride, I've paid that money into the system. teresa -- Re: SSDI and taxes Debbie I am sorry to hear this. I am going through a similar situation and it gets worst. Now that I am on disability from both my company and SSDI I am being watched like a hawk. Everyone wants their peice and everyone is afraid that you are trying to screw them. I don't think that it is right as your illness is enough stress then you add on the stress of just trying to get by is an overload. The sad thing is that people that service us such as disability insurance companies and SSDI don't understand that we did not seek out this illness it was the thing that came after us. It is hard to carry your head hign when people think that we are trying to get a free lunch; it feels like to me that they are putting out and spending extra effort to find something they just are not going to find. I will pray for you as I understand your frustration a friend with Sarcoidosis.... Bob Debbie wrote: Boy, did I get a big disappointment today! I just went to have my taxes done. This past year 2005 was the year my Social security disability went through. Well, I got the lump sum but I had to fork it right over to my long term disability insurance provider to pay them back, about $28,000. But I didn't know I would get taxed on that lump sum plus whatever I received for the rest of the year (which was from March 2005 on). That took a huge chunk out of my tax return. (To the government it looked like I got all this money but I really didn't cause I had to pay it back) Needless to say, we usually get money back , but now we are getting a quarter of what we usually get. I was upset cause I kind of depended on that money for bills and such. Talk about stress! Has this happened to anyone else? Thanks for listening to me go on, but this really has me upset and I have nobody else to talk to. Debbie Yahoo! Mail - Helps protect you from nasty viruses. ~~~~ *** ~~~ *** ~~~ *** ~~~~The Neurosarcoidosis CommunityNS CHAT:- Has been cancelled for now.Message Archives:-http://groups.yahoo.com/group/Neurosarcoidosis/messagesMembers Database:-Listings of locations, phone numbers, and instant messengers.http://groups.yahoo.com/group/Neurosarcoidosis/database Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 4, 2006 Report Share Posted February 4, 2006 Bob I feel like people don't believe I can't work right now & I'm looking for a free ride too. If " they " can give me my health back I'll gladly go back to work for another 15 years! grannylunatic@... __________________________________________________ Quote Link to comment Share on other sites More sharing options...
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