Wednesday, September 28, 2022

Can You Work When You Are On Social Security Disability

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Is Psoriatic Arthritis A Serious Condition

Can you work if you are receiving Social Security Disability benefits?

Yes. PsA is a serious condition with no cure. But diagnosing it early may improve treatment outcomes.

Managing psoriatic arthritis requires you to follow a treatment plan that includes physical and occupational therapy. You may also be prescribed drugs such as:

  • Anti-inflammatory medications like ibuprofen and the steroid prednisone

  • Drugs that work on the immune system

  • Injectable biologics

Leaving PsA untreated can affect your quality of life. The pain and swelling may make it hard to sleep well or take part in activities you enjoy. Fortunately, for many people with PsA, medication helps control inflammation and pain. Adding physical therapy into the mix protects your range of motion so you can move comfortably.

Can I Work While Waiting For My Social Security Disability

It is possible to work and also file for disability benefits, though this is a tricky matter. Any work you do must not be the type or volume that will disqualify you for benefits. With Social Security Disability Insurance , you cannot earn more than what is considered substantial gainful activity or SGA.

How To Qualify For Ssi Benefits

You can get Social Security Disability benefits even if you do not have enough work credits to qualify for SSDI. The SSA offers the SSI program to disabled adults and children who have limited financial resources. It is a safety net so that people who cannot work for a living but do not qualify to collect SSDI can pay for essential items, like food, clothing, and shelter.

To qualify, you have to meet the same medical disability standards as a person does for SSDI. In addition, your income must be low, and your countable assets cannot exceed certain limits. Specifically, you could qualify for SSI benefits if:

  • You have a severe illness or injury that meets the benchmarks of the SSAs Listing of Impairments, also called the Blue Book.
  • Your disability prevents you from supporting yourself through gainful employment.
  • You have very little income. This income limit can change every year. In addition, the income limit tends to vary by location because SSI is a joint program of the federal and state governments.
  • Your countable assets do not exceed the SSI limit. This number can also change every year. Your home and the land it is on do not count as assets. Most cars also do not count toward your resources.

You must satisfy all of these elements to be eligible for SSI benefits. If you are struggling to understand the qualifications for SSDI or SSI, our firm can help you navigate these matters and apply for the benefits you may be entitled to because of your medical condition.

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Can You Work While On Social Security Disability Yes But Use Caution

Social Security Disability benefits are for individuals who genuinely need financial help and cannot maintain full-time work. Can you work while on Social Security Disability? Yes! However, its important not to abuse the system. Use caution and make accurate earning reports when choosing part-time work to supplement your disability benefits from the SSA.

If you need help navigating the rules of your disability benefits, we can help! Contact our team or call us 617-825-0965.

Student Earned Income Exclusion

Can You Collect Social Security While Youre Working?

If you are a student who is under the age of 22, the SSA may disregard up to $1,900 of your gross wages when figuring your countable income. “Gross wages” means the amount of your paycheck before things like taxes are deducted. Note that the SSA limits this exclusion to $7,770 per calendar year, however .

To use this incentive, you must go to school on a regular basis. If you are between 7th and 12th grade, this means going to school at least 12 hours a week. If you go to a college or university, you must attend at least eight hours of classes a week. And if you are enrolled in a work-training program, you must attend between 12 and 15 hours a week depending on the type of training you are getting. Even if you can’t go to school because of your disability but you are educated at home, you may be eligible for this incentive.

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Vocational Training Could Benefit You And Your Family

There is no need to give up your Social Security Disability benefits to work. We can even help you acquire the skills you need to become qualified for a job you might be able to perform given your disability, injury or illness. Vocational training can even be beneficial if your injury is only temporary.

Vocational training could help you acquire skills such as:

  • Computer skills
  • Advanced organizational skills
  • Writing skills
  • Several other job skills that might allow you to take a new role at the company you already work for

We can work with your employer to negotiate terms for vocational training that can benefit you and the company. These skills will be useful for you in any supplemental position you decide to take on. Having vocational skills in your pocket is important because it will teach you a new learning style, job readiness, and communication skills.

What Is The Highest Payment For Disability

Get a quick estimate for your monthly Social Security Disability Insurance benefits payment. Earnings from jobs covered by Social Security are used to determine the amount of monthly SSDI benefits payments. Right now, the average for an individual is $1,277, and the maximum is $3,148.

Also Check: How Much Do I Get In Social Security

Understanding The Substantial Gainful Activity Limitations

The short answer is yes. You can work part time while on Social Security Disability. You just have to make sure your income doesnt exceed the limitations for substantial gainful activity, or SGA. The SGA amount is a set maximum monthly wage that helps the Social Security Administration determine whether or not your disability prevents you from earning a living. Essentially, if you exceed this limit, they may think you dont need disability benefits anymore.

While the SGA limit for 2022 is $1,350, SS disability beneficiaries who make a gross income of $970 a month will trigger whats known as a trial work period. Its not impossible to work part-time while receiving Social Security disability benefits, but its important to keep in mind that the rules surrounding disability claims and work activity are extremely complicated. For this reason, the vast majority of people choose not to work while getting benefits, so they can avoid overpayments that can jeopardize their benefits.

What Are The Rules For Working While On Ssdi

Can You Work While Getting Social Security Disability Insurance?

Keep in mind that continuing to work while you apply for Disability benefits may not be viewed favorably by SSA. If the claims examiner reviewing your application or the judge presiding over your hearing sees that you can work, even under the SGA level, he or she may not believe you are truly disabled.

You can only work and continue to receive SSI benefits as long as your wages and other resources do not exceed the SSAs income limit, however your monthly benefits will be reduced according to your income. You can view the monthly SGA amount here.

If you think that going back to work is something you would be interested in trying, speak with your Social Security Disability attorney and ask him or her what your options are. Remember that you must notify SSA if you start or stop work, you reported that you were working, but your duties, hours, or pay changed, or you start paying expenses for work because of your disability. You can report any changes to SSA via mail, phone, or in person.

Need Help?

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Your Right To An Appeal

Your right to file an appeal is important because it means you do not have to give up hope of receiving disability benefits, even if you receive a denial letter. When that happens, you can work with a legal team who can help you understand the appeals process and keep up the fight for your benefits.

Your lawyer can also help you understand the full scope of your rights and responsibilities, which include informing SSA officials if:

  • You move

To Work Or Not To Work

If youre going to a job a few days a week, the SSA might have a hard time believing your disability is severe enough to award benefits to you. Working while you wait for your benefits to begin is not forbidden. However, its a good idea to consider the type of work you do and where you do it while the Social Security Administration decides your condition and benefits.

The SSA is on the lookout for SGA . While they dont want you to have a disability that keeps you from working, if youre applying for benefits, you need to have a disability that keeps you from maintaining SGA.

If your part-time job looks like its providing you with too much income, you wont qualify for disability benefits. To avoid breaching the substantial gainful activity threshold:

  • Non-blind individuals can earn no more than $1,260 per month
  • Blind individuals can earn no more than $2,110 per month

The SSA monitors your earnings to make sure you arent exceeding the maximum each month. In some cases, when you earn too much money in a month, you could receive a lower benefit payment that month.

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How Works Affects Your Ssi Payment

It’s important to understand how SSI benefit amounts are calculated before you can figure out how working will affect your payments.

For the year 2021, the SSA will pay up to $794 in SSI benefits . This amount is called the federal benefit rate . Your monthly benefit amount is the difference between the FBR and your countable income. Your countable income is made up of the following:

  • wages you are paid from your job
  • the value of free food and shelter provided for you
  • support money from family or friends , and
  • payments from other sources, like veterans benefits or unemployment.

Can I Work While On Social Security Disability

Can You Work While You Are 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.

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How You Earn Work Credits

You earn one work credit for every three-month block that you work a job that pays into Social Security. You buy into Social Security through payroll taxes. For the year 2020, the SSA says that you must earn at least $1,410 per quarter to earn a single work credit, and $5,640 in a year to earn four work credits.

For example, a person who works 30 years at qualifying jobs could earn up to 120 work credits. Note that the number of credits you have beyond the requirement does not affect the amount of benefits you receive through this program.

Special Needs Trusts And Ssi Eligibility

An individual may have a special needs trust , which is designed to hold assets for a disabled person while preserving their eligibility for government benefits, like SSI payments. These trusts help cover expenses beyond what SSI or other government benefits may provide for, but the assets contained in them dont count toward an income or asset limitas long as the money is spent on qualifying expenses.

Special needs trusts have some characteristics in common with ABLE accounts, but a key difference is that theyre designed to complement or supplement government benefit programs. Like ABLE accounts, distributions should be used for the beneficiarys benefit, and for items or services that SSI benefits do not provide.

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How Much Can I Earn While On Disability In 2019

For 2019, you can only early $880 per month during a trial work period while receiving social security disability benefits. If you earn less than $880, it should not trigger a trial work period and is likely acceptable. Earning more than the $880 per month could cause your benefits to be discontinued.

Benefits For A Disabled Child

Can You Apply for Social Security Disability Benefits if You are Still Working?

A child under age 18 may be disabled, but we don’t need to consider the child’s disability when deciding if he or she qualifies for benefits as a dependent. The child’s benefits normally stop at age 18 unless he or she is a full-time student in an elementary or high school or is disabled.

Children who were receiving benefits as a minor child on a parents Social Security record may be eligible to continue receiving benefits on that parents record upon reaching age 18 if they are disabled.

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Are There Exceptions To The Sga Limit

There is some argument that the SGA limit is essentially arbitrary, and is therefore unfair. Someone working at a minimum-wage level in South Carolina, for instance, can work 32 hours a week and still have their monthly earnings come in well under the SGA limit, while someone employed at $12/hour would be capped at a much lower hourly limit for the week. The requirements of jobs at different income levels can vary wildly, and the Social Security Administration has actually taken that into account.

The Social Security Administration can choose to look at things that affect what is called the worth of an individuals work, and that might influence whether or not a particular individual is therefore limited by the SGA amount. One example of this is that Social Security claims representatives are expected to look into whether an individuals work activity is matched by their pay.

Many employers subsidize disabled employees work by paying them a full wage even if theyre not performing to the level that would normally be required to earn that amount, due to their disability.

Is Your Condition Severe

Your condition must significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering for at least 12 months. If it does not, we will find that you are not disabled.

If your condition does interfere with basic work-related activities, we go to Step 3.

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Canada Pension Plan Disability Benefits

The Canada Pension Plan provides monthly payments to people who contribute to the plan during their working years.

You may be eligible for CPP disability benefits if:

  • you contributed to the CPP for a certain number of years
  • you’re under 65 years old
  • you have a severe and prolonged mental or physical disability
  • your disability prevents you from working on a regular basis

The benefits include payments to children of a person with a disability.

Apply as early as possible if you think you’re eligible for CPP disability benefits. Quebec residents may be eligible for a similar program called the Quebec Pension Plan . It may take several months to process your application.

If you applied for CPP or QPP disability benefits and were told that you’re not eligible, you can ask to have your application reviewed or considered again.

Once you reach age 65, your CPP disability benefit will automatically change to regular CPP payments. Your regular CPP payments may be less than the CPP disability payments you got before.

If so, consider:

Can You Work While On Ssdi

Can You Work While Collecting Social Security Benefits ...

Generally, SSDI recipients can’t do what’s considered “substantial gainful activity” and continue to receive disability benefits. In a nutshell, doing SGA means you’re working and making more than $1,350 per month in 2022 . So that’s how much you can make in 2022 without affecting your disability benefits. And, you can deduct disability-related work expenses from that total. For more information, see our article on SSDI income limits.

But, to encourage SSDI recipients to go back to work, Social Security has created some exceptions to this rule. SSDI recipients are entitled to a “trial work period” during which they can make more than the SGA amount without losing benefits.

Trial work period. For a nine-month trial work period, SSDI recipients are entitled to test their ability to work and continue to receive full benefits regardless of whether they make more than the SGA amount. For 2022, the Social Security Administration considers any month where a person has a monthly income of more than $970 to be a trial work month. If you’re self-employed, any month where you work more than 80 hours can also be considered a trial work month.

For more information, see our article on the trial work period, the extended period of eligibility, and expedited reinstatement.

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The Benefits Of A Hiring A Social Security Lawyer

Navigating the Social Security Disability application and appeals process can be time-consuming and challenging. A lawyer can work hard on your behalf to help you get the financial support you are entitled to through disability benefits, though. They can:

  • Help you determine the right Social Security Disability program for you
  • Help you define the programs parameters and your right to continue working
  • Help you navigate the complex application and submit the required evidence
  • Help you file an effective appeal if your initial application is rejected

You do not have to start or complete this complex process on your own. A legal team can make sure you know your rights and responsibilities. They can also help you prepare a comprehensive benefit claim application or appeal.

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