Can I Work While On Ssi Disability – According to the Social Security Administration (SSA), in 2019 69.1 million Americans received Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) benefits.
If you are one of those Americans and you currently earn more than $1,350 a month, you may be at risk of losing your current benefits.
Can I Work While On Ssi Disability
That’s because Social Security defines high wages or gross earnings (SGA) as earnings that exceed $1,350 per month.
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CLASSES ON TOP New from $200 to $1,500 this month – see if you qualify
SSDI, on the other hand, provides benefits to disabled or blind people who are covered by Social Security like most workers.
You can work and get SSI or SSDI at the same time, but your monthly income will be deducted from your monthly income.
If you receive any SSI or SSDI benefits, you must report all of your earnings to the SSA.
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If you don’t report the amount of work you did, you could pay the SSA more, which could mean you could owe money.
If you work to receive any benefits, the SSA ignores the first $65 of your wages and half of the remaining monthly wages.
For example, let’s say you receive a monthly SSI check worth $841, which is the maximum monthly SSI payment in 2022.
If you make $65 or less a month in salary, you’ll still get your regular $841 check.
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Therefore, the total from your SSI check is about $50, leaving you with $790.
You can expect it to take some time to process your income statement and Social Security changes.
It usually takes about two months for the SSA to clear an individual’s check after receiving updated wage information.
If you receive SSI or SSDI because you are disabled, Social Security determines that you are unable to work.
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If you join SGA, Social Security may decide you no longer qualify and stop benefits.
SSDI and SSI have similar income limits, but SSDI differs slightly when it comes to work incentives.
Social Security’s work incentives are intended to help SSDI and SSI recipients return to work without losing benefits.
In addition to work incentive programs, SSDI beneficiaries are allowed a trial period of up to nine months to test their ability to work.
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The trial period can be spread over five years, during which SSDI recipients receive full benefits.
When you send your payslip to your Social Security office, it is recommended that you have them print a copy of your payslip as proof of return.
SSA also advises SSI or SSDI recipients to make a second copy of their paycheck for their records. Some disabled people who receive Social Security Disability (SSD) or Supplemental Security Income (SSI) benefits are able and willing to work, but. other disabilities. For many, the threat of benefits cuts prevents them from trying even part-time work. Fortunately for such individuals, the Social Security Administration has several programs and policies that allow individuals to attempt to re-enter the workforce while addressing their disabling medical conditions.
If you have received SSD but have found a job that you think you can do despite your health problems, you can test yourself under the law called “Probationary Work Period”. This allows you to work for nine months and still receive full Social Security disability benefits, regardless of how much you earned, EXCEPT that:
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You can use the probationary period for up to nine months of work in a 60-month (five-year) period. If you lose your job at any time during that probationary period, you simply notify the SSA and your benefits will continue as long as you are disabled.
Once you have used all nine months of the probationary period and found that you are still able to work despite your health problems, your disability benefits will no longer be awarded. However, as long as you are disabled, you can take advantage of what is known as “extended eligibility.”
During this three-year period, after the nine-month trial period, you will continue to receive full disability benefits for each month you earn less than $1,310 (this amount is adjusted annually for inflation in 2021. ). These payments are automatic—you don’t have to reapply—as long as your health improves and you report your income to the SSA.
Let’s say your health remains stable – you’re still disabled, but you continue to work this job you got AND you’ve used your probation AND you’ve broken it, you’re already in enhanced eligibility, so you. I will not receive other disability benefits. At any time during the next five years, if you have to stop working because of the same medical problems that caused you to stop working in the first place, you can apply for “quick reinstatement” of benefits. You simply tell the SSA that you have stopped working, and they will review your medical records to determine that you are still disabled, and if so, your benefits will be reinstated.
How Much Can You Work While Collecting Ssdi?
Here’s another rule that can help you work with a disability and stay eligible for benefits: If you have to pay for things that a disabled worker shouldn’t be able to buy (such as a cane, prescription drugs, or special vehicles), the cost may be too high. be deducted from your earnings if you hit the $1,310 (2021) “major achievement event” threshold for work.
Note that while SSD and SSI share the same definition of “disabled,” SSI only applies to disabled people with limited income or assets. The term “low income” is defined by state law; In North Carolina, the limits for calendar year 2021 are $794 per month for individuals and $1,191 per month for couples.
If you are still disabled but working despite your disability, you can still get SSI benefits as long as your income, added to any other income, exceeds the SSI income limits.
The SSI program has a faster recovery version (see above) that is similar but not identical to the SSD program. If your SSI payments are stopped because you worked too much, but then stop working because of health problems, your SSI payments can be restarted without filing a claim. Also, the most important thing is to show that even though you have returned to work, your health problems are as serious as when you stopped working. This theory says that people should not be punished but should be rewarded for trying to work, even if they are disabled.
Working While Receiving Disability
There is another interesting program available to many SSI recipients called the Plan for Achieving Self-Support, or PASS. This is a way to return to work (if your health permits) without losing SSI benefits.
Generally, an SSI recipient is not allowed to save money or assets, the assumption is that if you are receiving SSI, you must be poor enough to need all the money and assets to survive. The PASS program helps you save money and other resources you need to get back to work. Your savings do not count for you or the SSA or the state when calculating how your current income and resources affect your benefits.
The PASS program is complex and requires a lot of reporting and approval from the government agency that administers it. But if you can overcome the hardships of the program, it can help you get out of poverty and rely on SSI benefits to survive.
The Social Security Administration and government agencies (such as the Office of Disability) that administer the Social Security Disability program offer many ways for disabled people to try to work again in order to get off the disability record and get income. making from SSD or SSI benefits.
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The main benefits of these programs are equality and transparency; you must tell the SSA how much you work and what your health problems are.
If you or a loved one is seeking disability benefits, one of our experienced North Carolina disability attorneys can help. Our team is led by a board-certified Social Security disability law expert, Attorney Scott Scurfield, who knows the Social Security disability system inside and out.
Scott and his team have helped hundreds of North Carolinians get the disability benefits they want and deserve, and are happy to help you whenever they can.
For a FREE, no-obligation consultation with an experienced North Carolina disability attorney, call 1-800-525-7111 or fill out the form below.
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