Monday, May 16, 2022

Can You Work And Get Social Security Disability

Don't Miss

Can You Get Social Security Disability With Headaches

Can I Work and get Social Security Disability at the Same Time? NY Attorney Troy Rosasco Explains

On Behalf of Michael G. Myers | Dec 1, 2021 | Qualifying for disability benefits |

Social Security Disability benefits may be available for those who qualify based on their past work history and who cannot work as a result of serious injuries or disabilities. As someone who struggles with chronic headaches, you may be able to obtain benefits if you can show that these headaches make it hard or impossible for you to work and that the condition is expected to persist for at least 12 months.

Social Security Disability may be extended to people who have migraines, for example, even though migraines are not specifically listed in the Social Security Administrations Blue Book. Migraines may fall under other health conditions that qualify or qualify on their own under a medical-vocational allowance particularly if your migraines are intractable.

Why Is There A Shortfall In The Disability Insurance Trust Fund And What Can Be Done About It

As described above, Disability Insurance is funded by a dedicated share of payroll tax contributions0.9 percent of taxable wages paid by workers and the same amount by employers. Since the mid-1990s the Social Security Administration has consistently projected that the Disability Insurance trust fund would have sufficient reserves to cover all scheduled benefits until 2016, but that after that date, additional funds would be needed to avoid a shortfall in the necessary funds to continue paying full benefits. If no action is taken to address the shortfall, the Disability Insurance trust fund will only be able to pay 80 percent of scheduled benefit levels after 2016.

Congress has addressed similar shortfallsin both the Disability Insurance trust fund and the Old Age and Survivors Insurance trust fund, which pays retirement benefitsnearly a dozen times in the past by temporarily reallocating the share of overall payroll tax revenues that is dedicated to each trust fund. In some cases, they have reallocated funds from the Disability Insurance trust fund to the Old Age and Survivors Insurance trust fund in others, they have reallocated funds from the Old Age and Survivors Insurance trust fund to the Disability Insurance trust fund.

Workers With Too Few Social Security Credits

Can you get Social Security if you never worked? No, because a minimum requirement to collect Social Security retirement benefits is performing enough work. The Social Security Administration defines enough work as earning 40 Social Security credits. More specifically, in 2021, an individual receives one credit for each $1,470 in income, and they can earn a maximum of four credits per year. So, 40 credits are roughly equal to 10 years of work.

If you earn the federal minimum wage of $7.25 an hour, then youll need 202.75 hours of work to receive one . By working just 17 hours a week for 50 weeks at this wage , you can earn the maximum credits per year. That means even those who work part-time so they can attend school or care for a childor those who work part-time because they cannot find full-time workcan amass Social Security credits without too much trouble.

Earned credits never expire, so anyone who has left the workforce with close to 40 credits might consider going back and doing the minimum additional work they need to qualify. You can check the number of credits you have so far by opening a Social Security account on the Social Security website and downloading your Social Security statement.

Recommended Reading: When Should You Apply For Social Security

How Much Can I Make On Disability

Before we get into your options, we should first explain how much you can make on disability. The income limit depends on what benefit you are receiving.

If you work while receiving Social Security Disability Insurance , you must make below a certain amount, adjusted according to the years cost of living. For 2017, the income limit is $1,170 per month.

If you are receiving Supplemental Security Income , your income must be below that years Federal Benefit Rate. In 2017, this amount is $735.

Assistance In A Community Living Bc Residence

Social Security Disability

For payments issued for the May 2021 benefit month:

  • If you are living in a Community Living BC funded residence, you may get up to $1,358.42 per month in disability assistance
  • From your $1,358.42, you pay your Community Living BC service provider $716.13 per month for your basic living costs
  • This leaves you with up to $642.29 for personal expenses

You May Like: What My Social Security Benefits Will Be

Is It Legal To Work While On Disability

Yes, its even encouraged. The Social Security Administration helps disabled people find employment through work-incentive programs. How much a disabled worker is allowed to work and earn depends on several factors, and the two primary forms of assistance Supplemental Security Income and Social Security Disability Insurance work very differently.

Can You Work While On Social Security Disability

Social Security Disability Benefits are designed to help those with disabilities stay financially afloat. A common question people have is Can I work while on social security disability?

When youre injured or unable to work for medical reasons, you can apply for Social Security Disability. We get questions about working while on workers compensation, but do the same rules apply to disability? Can you work while on social security disability?

Its a good question with a complicated answer. Yes, you can work while receiving disability benefits. However, there are rules and limits to how much you can earn to continue receiving disability.

SSA disability isnt the same as receiving workers compensation benefits. Workers comp is typically short-term financial help to cover medical bills and lost wages while recovering from an on-the-job injury. Social security disability is available to people with a long-term injury or health condition that prevents them from completing full-time employment.

Lets explore how you can work and earn some money without violating the rules of Social Security Disability.

Also Check: When Can I Start Drawing My Social Security

Fers Disability Retirement And Ssdi Offset

The plain fact is that the U.S. Office of Personnel Management doesnt care a twit about Social Security Disability Insurance unless it is approved, and that, only if the FERS Disability Retirement application is also approved. For, if both are approved , then the law requires an offset between the two 100% offset in the first year of concurrent payments , then a 60% offset during the subsequent concurrent years of payments . It is the offset itself which OPM is concerned about, and since Social Security payments are primary while the FERS Disability Annuity is secondary , OPM is concerned that an approval of SSDI benefits will therefore impact the amount of annuity payments calculated by OPMs disability retirement payments.

How does the interactive process work between filing for a FERS Disability Retirement and Social Security Disability Insurance? Here is an example:

You May Like: What Qualifies For Short Term Disability

What Is The Disability Standard For Disability Insurance And Supplemental Security

Social Security Disability tips: Should I go back to work?

Disability Insurance and Supplemental Security are reserved for workers with the most severe disabilities and conditions, and both use the same strict disability standard: inability to engage in substantial gainful activitydefined as being able to earn $1,040 a month in 2013due to one or more severe physical or mental impairments that are expected to last at least a year or could result in death. A workers impairment or combination of impairments must be so severe that the applicant is not only unable to do his or her previous work but also unableconsidering his or her age, education, and work experienceto engage in any other kind of substantial gainful work that exists in significant numbers in the national economy.

Medical evidence is the cornerstone for the determination of disability in both programs. To qualify, there must be medical evidence from a doctor, specialist, or certain other licensed or certified medical sources that documents a severe impairment. Evidence from other health care providerssuch as nurse practitioners or clinical social workersis not sufficient to document a severe medical impairment. And statements from the applicants themselves, their families, co-workers, friends, or neighbors are not treated as medical evidence.

You May Like: Social Security Calculated On How Many Years

Social Security Disability Insurance

Social Security Disability Insurance is for people who qualify as disabled and have paid enough Social Security taxes through past employment to reap additional benefits.

SSDI recipients are also allowed to work, and the rules are more lax because they have paid taxes into the system for much longer.

This program isnt for low-income people, per se. But there are monthly limits on how much income someone can earn from a job: $1,260 a month or $2,110 for blind workers. Income and assets outside work earnings are unlimited.

The benefits for the SSI folks are different because they didnt pay into the system, says Paula Vieillet, CEO of My Employment Options, a national employment network and advising company for people on Social Security assistance.

Can I Work While On Social Security Disability

If youre looking into applying for Social Security Disability, it can feel overwhelming and you may find yourself with a lot of questions. What will the judge ask at my disability hearing? is one that we hear often, and answered in a previous blog.

Theres one more very common question we hear, and wed like to take the time to answer that question for you today.

Recommended Reading: How To Get A New Disability Card

Recommended Reading: How To Find Out Social Security Amount

How Many Hours Can You Work And Receive Social Security Disability Benefits

When it comes to receiving social security disability benefits, several factors come into play. These factors are why the Social Security Administration rejects about two-third of the applications they receive. A social security attorney in Milwaukee can help if you apply and get denied.

Ordinarily, Wisconsin law grants benefits to those who are disabled. But when a disabled person is fit to carry out their job duties, the question becomes how long they can work and still be eligible to receive social security disability benefits. Read on to get the answer.

Why Ssdi Requires Work Credits

What Should I Do If I am Denied For Social Security ...

As the acronym indicates, SSDI is an insurance program. You pay the premiums of this program through the Social Security deductions that your boss takes out of your paycheck and sends to the government on your behalf. That money helps to fund the monthly Social Security disability and retirement checks that people receive.

On the other hand, the source of funding for SSI benefits is general revenues, like income taxes and additional money that the government collects. Because SSI does not use payroll deductions for Social Security taxes as its source of funding, you do not have to pay into the system and accumulate work credits to be eligible for these benefits.

For a legal consultation, call

Also Check: When Can You Get Social Security At What Age

Trial Work Period Program Allows Ssd Benefits And Higher Monthly Earnings

The Social Security Administration wanted to encourage SSD benefits recipients to try to resume any employment they could manage without the threat of immediately losing their benefits if they were successful. To solve the problem, the government created the Trial Work Period program.

Under the Trial Work Period plan, an SSD benefit recipient can earn as much as they can above the monthly SGA cut-off limit and still keep receiving their full benefits. The catch is that you can only take advantage of this program for 9 months. But for each of those 9 months, you can earn an unlimited amount of income and the government will not penalize you by reducing or eliminating your regular SSD payment. The 9 months do not have to be consecutive they can be spread across a five-year period.

Importantly, any month in which you earn more than $970 will count as one of your 9 months.

What Other Requirements Are Beneficiaries Required To Meet

In order to receive Disability Insurance, a worker must have worked during at least one-fourth of his or her adult lifetime and during at least 5 of the 10 years before disability onset. There is also a five-month waiting period before a worker can qualify for benefits.

Supplemental Security provides assistance to people with severe disabilities who have very low incomes and assets and who either lack sufficient work history to be covered for Disability Insurance or receive only a very small Disability Insurance benefit. It is important to note that many Supplemental Security beneficiaries, although lacking the sustained work history necessary to be insured under Disability Insurance, have worked and paid into the Disability Insurance system. And others, particularly women, are not eligible for Disability Insurance because they took time out of the paid labor force to care for children or other family members.

Workers must apply for and exhaust all other available benefits before qualifying for Disability Insurance or Supplemental Security. Accordingly, Social Securitys disability programs serve as a true last resort for people with severe disabilities and little to no ability to work.

Read Also: When Can You Get Social Security At What Age

How Common Is It For Beneficiaries To Return To Work

Both Disability Insurance and Supplemental Security provide incentives for beneficiaries to work. Disability Insurance beneficiaries are encouraged to work up to their full capacity and can earn an unlimited amount for up to 12 months without losing any benefits. Beneficiaries who work for more than 12 months and have earnings above the substantial gainful activity level cease to receive a monthly benefit. If at any point in the next five years their condition worsens and they are not able to continue working above the substantial gainful activity level, however, they are eligible for expedited reinstatement of their benefits. This means they do not need to repeat the entire, and typically lengthy, disability-determination process that they initially went through to qualify for benefits.

Supplemental Security beneficiaries who are able to work are encouraged to do so as well. Their benefits are reduced based on their earningsafter the first $85 of earnings each month, which is not counted against the benefitbut by only $1 for every $2 of earnings. Beneficiaries who are able to do some work will therefore always be better off with both earnings and a reduced benefit than just the benefit alone.

Social Security Work Incentives

Social Security Disability FAQ: Can I Work while applying for Disability?

The SSA offers incentives to help people on SSDI or SSI get back to work, without jeopardizing their current benefits. These incentives include:

  • Anine-month trial work period where you can still receive full Social Security benefits, regardless of how much money youre earning, as long as your reporting your work to the SSA.
  • Anextended 36-month eligibility period where you can receive Social Security benefits for any month that you earn less than $1,260 .
  • Expedited reinstatement, which includes a five-year period where you can request for the SSA to restart your benefits if your disability prevents you from continuing to work, without having to go through the entire application process again.
  • Anextension of Medicare coverage for at least 96 months after your 9-month trial work period, if your Social Security Disability benefits have ended due to your earnings, but you are still disabled.

For more information, call. Our attorneys serve disabled clients inYork,Lancaster,Hanover,Harrisburg,Carlisle, and the surrounding communities in Pennsylvania.

Don’t Miss: Can You Pay Extra Into Social Security

How Can I Get More Money From Social Security Disability

If youve been having trouble making your Social Security Disability payments cover your monthly living expenses, try some of the following tips and suggestions. Apply for Additional Assistance. Start Clipping Coupons. Look Into Energy Assistance. Additional Income Sources. Look for Income-Based Housing.

Read Also: Is Disability Insurance Tax Deductible For Corporations

You Can Work As Long As Your Countable Income Doesn’t Go Above The Ssi Income Limit

By Melissa Linebaugh, Contributing Author

One of the basic requirements for getting approved for disability benefits is that your medical condition is so severe it prevents you from performing a substantial amount of work. The Social Security Administration defines a substantial amount of work, which it calls substantial gainful activity , as earning $1,310 a month from working . Therefore, if you are earning this much from work when you apply for benefits, you will be denied.

However, once you get approved for SSI, the SSA no longer determines whether you are making over the SGA amount. But the SSA will reduce your SSI benefits if you are working by subtracting part of your income from your payment. If you go over the SSI income limit, the SSA will terminate your benefits. In general, though, the SSA encourages SSI recipients to try to go back to work and has created a number of work incentives that let a person work without losing their eligibility for benefits.

Also Check: Whats My Social Security

Understanding Your Monthly Earning Limit On Ssd

The Social Security Administration defines qualified workers as disabled and eligible for SSD benefits when they have a medically determinable physical or mental impairment that prevents them from performing substantive gainful activities. The disability needs to last for at least 12 months or be expected to result in the death of the SSD applicant. They refer to the substantial gainful activity as SGA.

Whats substantial gainful activity ? It may seem odd that whether you are eligible for SSDI benefits would be based on such a vague concept. The Social Security Administration created the SGA limit as a uniform, across-the-board dollar amount that the government can use to separate workers who can earn a living from the workers who are too disabled to earn the same amount.

In 2021, the government set the SGA figure at $1,310 per month. According to the SSD rules, that means if you can earn more than $1,310 in a month, then you are not disabled enough to receive SSD benefits. The dollar figure is determined in relation to the national average annual wage index. However, it is worth noting that the 2021 poverty guideline for an individual is $12,880 annually. That means individuals who earn more than the $1,310 per month SGA level would be above the poverty line by $2,840 per year. For each additional family member in the household, the poverty level increases by $4,540.

More articles

Popular Articles