The Benefits Cliff
The Full Benefits Cliff: From Low Income to “Miracle Income” This table shows how multiple benefits interact for a single SSDI recipient in 2026. It includes SLMB (Medicare savings), Extra Help (low prescription copays), behavioral health subsidies (psychiatric visits and meds), and SSDI payments. As income rises, small increases can cause a dramatic net loss. Monthly Income Benefits Lost Out-of-pocket Costs SSDI Adjustment Net Effective Cash Notes $1,500 None $0 Full SSDI (~$1,470) $2,500+ Full SLMB, Extra Help, behavioral health subsidies. Very low out-of-pocket costs. $1,650 SLMB, Extra Help, behavioral health subsidies ~$500 Full SSDI (~$1,470) $1,050–$1,150 Small raise actually results in net loss of hundreds of dollars. $1,825 SLMB, Extra Help, behavioral health subsidies ~$500 ...