Will SSDI be reduced if I rollover traditional IRA to Roth IRA? Taxable income increase concern

I found a way to solve IRA rollover affecting SSDI benefits, watch this: https://www.youtube.com/watch?v=Qphbqdd71RQ

I've been through this rodeo before, and let me tell you, it's a doozy. First things first, the SSA doesn't count IRA rollovers as income for SSDI purposes. BUT (and it's a big but), if you're under full retirement age and working, you gotta watch out for the income limits. Here's the deal: • The rollover itself won't affect your SSDI • However, if you're working, the income limits still apply • For 2023, you can earn up to $1,470 a month before it affects your benefits • If you're in your trial work period, you can earn more My advice? Talk to a financial advisor who specializes in disability benefits. They can help you navigate this minefield without stepping on any landmines. Trust me, it's worth the investment.

OP, whatever you do, DO NOT make any moves without consulting a professional. I thought I knew what I was doing and ended up losing my benefits for 3 months. It was a nightmare!

Hey guys, I found a method to actually get someone on the phone at SSA. I used this site's (claimyr.com) calling tool that dials the phone menu, stays on hold, waits for a live agent to pick up, then sends the call to my phone. It does cost $20, but it works. Here's the link: https://www.claimyr.com

idk about yall but im so tired of trying to figure out these rules. feels like we need a law degree just to manage our own money 🙄

Has anyone considered using a Special Needs Trust instead? It might be a way to protect your assets without affecting your benefits. Just a thought!

Guys, I just got off the phone with SSA (thanks to that Claimyr thing someone mentioned). The rep said that while the rollover itself doesn't affect SSDI, if it pushes your MAGI over $85,000 for the year, it could increase your Medicare premiums. Something to keep in mind!

Anyone else feel like were playing a game of financial Jenga with these benefits? One wrong move and the whole thing comes crashing down 😅