{"id":1219,"date":"2021-10-21T10:36:00","date_gmt":"2021-10-21T10:36:00","guid":{"rendered":"https:\/\/omalleytunstall.com\/?p=1219"},"modified":"2026-08-07T10:39:41","modified_gmt":"2026-08-07T10:39:41","slug":"es-necesario-realizar-cambios-en-el-ssd-para-conservar-tus-prestaciones","status":"publish","type":"post","link":"https:\/\/omalleytunstall.com\/es\/blog\/changes-to-ssd-are-needed-to-save-your-benefits\/","title":{"rendered":"Es necesario realizar cambios en el SSD para conservar tus prestaciones"},"content":{"rendered":"<p>El Seguro Social por discapacidad est\u00e1 en problemas. Dentro de 15 a\u00f1os, las personas que reciben prestaciones del SSD solo recibir\u00e1n 78% del dinero que reciben ahora, a menos que el Congreso tome medidas.<\/p>\n<p>La mayor\u00eda de las personas en las zonas de Raleigh y Tarboro no pueden permitirse un recorte del 22 por ciento en sus prestaciones del seguro social. Trece a\u00f1os pueden parecer mucho tiempo a partir de ahora. Pero los expertos dicen que el Congreso debe actuar r\u00e1pidamente para evitar que tus prestaciones se reduzcan.<\/p>\n<p>El problema radica en los fondos fiduciarios que financian los beneficios del Seguro Social por discapacidad (SSD) y los de jubilaci\u00f3n. Estos fondos han estado operando con p\u00e9rdidas desde hace mucho tiempo. Un informe de los administradores de los fondos indica que, a menos que algo cambie, para el a\u00f1o 2034 no podr\u00e1n cubrir el pago de los beneficios completos de todos los beneficiarios.<\/p>\n<p><a href=\"https:\/\/www.cnbc.com\/2021\/09\/30\/these-social-security-benefit-changes-could-be-coming.html\" target=\"_blank\" rel=\"noreferrer noopener\">Seg\u00fan la CNBC<\/a>&nbsp;Hay tres formas de salvar los fondos fiduciarios. Primero, aumentar los impuestos. Segundo, recortar las prestaciones. O tercero, una combinaci\u00f3n de ambas.<\/p>\n<h3>Formas de recaudar m\u00e1s fondos para el SSD<\/h3>\n<p>La Administraci\u00f3n del Seguro Social te permite obtener unos ingresos modestos adem\u00e1s de <a href=\"https:\/\/omalleytunstall.com\/es\/raleigh\/abogado-especializado-en-discapacidad-de-la-seguridad-social\/\">las ventajas de tu SSD<\/a>. Pero si tus ingresos superan el l\u00edmite, el exceso est\u00e1 sujeto al impuesto federal sobre la renta. Por ejemplo, consideremos el caso de un beneficiario del SSD que presenta su declaraci\u00f3n de impuestos de manera conjunta con su c\u00f3nyuge. Si la pareja declara ingresos entre $32,000 y $44,000, hasta el 50 por ciento del cheque del SSD de esa persona podr\u00eda estar sujeto a impuestos. El Congreso podr\u00eda aumentar el monto de los beneficios imponibles para destinar m\u00e1s dinero a los fondos fiduciarios.<\/p>\n<p>O bien, podr\u00eda modificarse el impuesto sobre la n\u00f3mina que financia el sistema. Actualmente, solo se retienen impuestos del Seguro Social sobre los salarios de hasta $144,800. La ley podr\u00eda modificarse para incluir m\u00e1s ingresos sujetos a impuestos. Otra opci\u00f3n ser\u00eda aumentar la tasa del impuesto sobre la n\u00f3mina del Seguro Social, que actualmente es del 6.2 por ciento.<\/p>\n<p>Por \u00faltimo, reducir ligeramente los beneficios podr\u00eda evitar recortes mucho mayores en el futuro. Habr\u00e1 que ver qu\u00e9 decide el Congreso al respecto.<\/p>","protected":false},"excerpt":{"rendered":"<p>Social Security Disability is in trouble. Within 15 years, people who get SSD benefits will only receive 78% of the money they get now unless Congress does something. Most people in the Raleigh and Tarboro areas can\u2019t afford a 22 percent cut to their social security benefits. Thirteen years may seem like a long time [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1219","post","type-post","status-publish","format-standard","hentry","category-social-security-disability"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Changes to SSD are needed to save your benefits | O&#039;Malley Tunstall PLLC<\/title>\n<meta name=\"description\" content=\"Social Security Disability is in trouble. Within 15 years, people who get SSD benefits will only receive 78% of the money they get now unless Congress does something. Most people in the Raleigh and Tarboro areas can&#039;t afford a 22 percent cut to their social security benefits. 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