Will SSDI benefits be reduced by rolling over traditional IRA to Roth IRA? Need urgent advice!

I went through something similar last year. From what I understand, SSDI isn't affected by unearned income like IRA rollovers. But definitely double-check with SSA when they're open. Their hours can be tricky to navigate.

I found a method to 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://claimyr.com

SSDI isn't means-tested, so in theory, your benefits shouldn't be affected by a Roth conversion. However, there are some important things to consider: 1. The conversion will increase your taxable income for that year, which could push you into a higher tax bracket. 2. If you're receiving Medicare, the income increase might affect your premiums. 3. While SSDI itself isn't means-tested, any SSI benefits you receive could be impacted. 4. The increase in income could affect other income-based programs you might be using. My advice? Consult with a financial advisor who specializes in disability benefits before making any moves. It's worth the investment to avoid potential pitfalls.

have you tried calling your local SSA office instead of the main number? Sometimes they're easier to reach and just as helpful

ugh, I feel your pain. I've been trying to get a straight answer about my benefits for months. It's like they purposely make it complicated 🙄

Pro tip: if you cant get through on the phone, try reaching out via their online portal. Sometimes you can get answers faster that way.

Not to hijack the thread, but has anyone else noticed that the SSA website has been super glitchy lately? I can barely log in half the time.

Just a heads up, even if SSDI isn't affected, the Roth conversion could impact other benefits like food stamps or housing assistance if you receive any of those. Make sure to look at the big picture!

idk about SSDI specifically, but when I did a Roth conversion last year, it messed up my taxes big time. Make sure you're prepared for the tax hit!