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Filing Taxes on Your Social Security Disability Benefits

Social Security disability benefits are necessary for many New Jersey residents, who rely upon this income as part of their livelihood. This is why it is so important to follow the tax laws set forth by federal, state and local authorities to ensure your benefits are not jeopardized. A New Jersey Social Security disability lawyer experienced in federal and state laws can advise you on what is required when considering your taxes, so you can be assured your Social Security disability benefits are safe. 

Which Benefits Are Taxable? 

When your income is based solely on your Social Security disability benefits, it is most likely not taxable and a return may not be necessary. On the other hand, if you do have additional income along with your Social Security disability benefits, you may be required to file a return. According to the Internal Revenue Service (IRS), this may hold true even if none of your benefits are taxable. It is always best to check with a New Jersey Social Security disability lawyer to be sure. 

A general rule outlined by the IRS states that federal taxes on your Social Security disability benefits must be paid if: 

  • your total income is more than $25,000; or
  • you and your spouse’s total income is more than $32,000. 

When it comes to state and local taxes, you need to find out from each of those taxing authorities whether you have to pay taxes on Social Security benefits. Many do not require it. 

Filing on Your Taxable Benefits 

If it is required to file taxes on your Social Security disability benefits, you will be required to use Form 1040 or 1040A. The 1040EZ may only be used by those individuals who do not need to report their benefits. 

When filing, you will be reporting on your net benefits, which is found on the SSA-1099 Form that you will receive by mid-February of the year in which you are filing. The IRS Publication 915, which is available online or in hard copy by request, walks filers step-by-step through the 1040 or 1040A forms. While you can file these forms yourself, it is usually a good idea to collaborate with a legal professional to make sure you are doing so correctly. 

Get Advice from a New Jersey Social Security Disability Lawyer 

It is important you protect your disability benefits. New Jersey Social Security disability lawyer Manfred F. Ricciardelli Jr., LLC understands the laws governing Social Security disability benefits. He can advise you on the best way to handle your taxes when considering your Social Security disability benefits. Schedule an appointment today: 973-285-1100 or 877-360-0183.


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