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**This scenario was not updated with the 2018 BOND yearly amount ($14,160 for non-blind beneficiaries and $23,640 for blind beneficiaries) or the 2018 Trial Work Period (TWP) amount ($850). The BOND yearly amount and TWP amount used in this scenario are from a previous year.

Henry, bus driver

Henry works 25 hours per week, 50 weeks per year, as a bus driver. He earns $13 per hour, paid on a weekly basis. So Henry's annual earnings are $13/hour × 25 hours/week × 50 weeks = $16,250.

He has a 2-week unpaid vacation each year. His SSDI benefit is $800/month.

What would happen if Henry was not in BOND?

Working at this rate, Henry averages $1,354 per month in earnings. So he will use up his trial work months and then would have his benefit checks stop under current rules if he was not in BOND, due to Substantial Gainful Activity (SGA).

Benefit Offset Under BOND

But Henry is a BOND participant. Under BOND, instead, Henry will continue to receive monthly checks. His countable earnings of $16,250 will be compared to the BOND yearly amount ($12,120 in 2012).

The difference—$4,130—is divided by 2 (for the $1 for $2 offset) and then divided by 12 to compute the monthly offset (over a full year). The result of $172 is the offset from Henry's monthly benefit amount.

So instead of a $0 monthly benefit, Henry will continue to get monthly SSDI checks of $628 ($800 − $172), because he is in BOND.

Henry

Henry

Part-time worker who will eventually use up his trial work months

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