Apply For Social Security Disability Benefits
To be eligible for disability benefits, you must be unable to engage in substantial gainful activity . In 2019, the threshold is $1,220.
This means that if you are disabled and unable to make more than $1,200 in a calendar month, you may be eligible for disability benefits. However, the nature of your disability may impact the SGA level for your case.
If you have questions about whether you qualify for Social Security Disability benefits, give us a call at the number above!
How To Lose Ssdi Benefits
The commonest reason why the SSA would stop a persons Social Security Disability payments is because the recipient has gone back to work, even though this isnt always the case. If you go back to your normal job when in receipt of SSDI benefits the SSA will decide if you are taking part in substantial gainful activity .
The key factor in deciding if work is considered to be SGA is the amount someone is paid. In 2020, somebody is typically considered to be engaging in SGA if his/her earnings exceed $1,260 or $2,110 for someone who is blind.
For example, if you are earning $200 weekly in a part-time job, you are not working above the SGA limit. If you are spending a lot of time at work but what you are doing constitute SGA despite the earnings being below the SGA threshold you could have your SSDI stopped.
However, if you are working and make over SGA you can be entered into a trial work period. This period allows somebody who is receiving SSDI benefits to try to go back to work without being told they will lose their SSDI eligibility.
In the majority of cases, you should be able to work for up to 9 months during a trial work period and you will still continue to receive your SSDI regardless of the amount you are earning. When the trial work period comes to an end and you are still taking part in a job earning above the SGA level the SSA is likely to decide you are no longer disabled so your Social Security Disability payments will stop.
Tax Implications Of Working While On Social Security
Not only can working while receiving benefits lower the amount of your Social Security check, but it can also have tax implications as well. Remember that whether or not your Social Security benefits are taxable depends on your income level. All your income factors into this as well not just income from working a job. So, any income that you receive from annuities or other investments counts toward the total. You might find yourself in a situation where your benefits are reduced and up to 85% of them might become taxable as well. Most retirees want to maximize their income, so you should wait until full retirement age to start receiving your benefits if at all possible. While your benefits might still be taxable based on your personal finances, you would no longer have to worry about a reduction in benefits because of other income.
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How Much Will My Monthly Cash Benefit Be
Speaking of amounts, we get asked all the time is how much is my monthly cash benefit going to be? The answer to that is depends on how much youve earned over your lifetime, and particularly the last few years. The average Social Security check is about $1,166 a month. That amount for Social Security disability insurance can be anywhere from $1 all the way up to $2,639, depending on your past earnings. You can get additional benefits if you have dependents, so if you have children they can get additional money coming in. Thats in addition to what money youre getting, so it can be larger than your individual check.
The average Social Security check is about $1,166 a month. That amount for Social Security disability insurance can be anywhere from $1 all the way up to $2,639, depending on your past earnings. You can get additional benefits if you have dependents so, if you have children, they can get additional money coming in. Thats in addition to what money youre getting, so it can be larger than your individual check.
Go on, check your statement. Theyll tell you how much you would be eligible for if you became disabled. Theyll tell you how much youre eligible for in retirement. Theyll tell you how much your child benefits are, the maximum family benefit, how much your children will get if you became disabled, how much your spouse would get if you passed away, so its definitely worth going on and checking that.
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What Happens When Your Nine
If you participate in the Trial Work Period Program , at some point you will use up your nine months of unlimited income while still receiving your full SSDI benefits. What then?
The Extended Period of Eligibility When you exhaust your nine TWP months, the SSA wants to give you the incentive to continue working if you can. The Extended Period of Eligibility is a 36-month period in which you have an income safety net.
Each month, the SSA checks your reported income to see if you exceeded the monthly income cap that is substantial gainful activity . If you do exceed the SGA level, you will continue to receive your full SSD benefit during a 3-month grace period. After that, your SSD benefit payment will be suspended for any month your income is above the SGA.
But, if during the 36-month safety net period your earnings again fall below the SGA level, your SSD benefit payments will resume for each such month.
Clauson Law has focused on representing the injured and disabled for over 10 years. We have handled thousands of cases. Each client is important to us and has a unique situation.
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Is Social Security Disability Considered Income
The Social Security administration has outlined what does and doesnt count as earned income for tax purposes. While the answer is NO, disability benefits are not considered earned income, its important to know the difference between earned and unearned income and know where your benefits fit in during tax season.
How Works Affects Your Ssi Payment
Its 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.
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Some Work Expenses May Be Excluded From Being Considered Income
SSI recognizes a person with a disability may require work-related accommodations, their cost may be used to reduce income that counts against your SSI benefits. For example, if you must have modifications made to your car to get to and from work, the cost may be deducted from your earned income.
Under its Plan to Achieve Self-Support or PASS initiative, the SSA lets you create a plan to achieve your employment goal. PASS recognizes that the purpose of the SSI payments you receive each month is to pay for food, housing, and other ordinary living expenses and not for achieving your work goals, including:
- Job training and education.
- Childcare to allow you to go to work.
- Transportation expenses.
Money spent on achieving your goal of working does not count as income that would affect your SSI payments. Unlike the exclusion allowed for income earned from working, money for PASS may come from other sources of income. It may also come from financial resources, which would reduce their value that may otherwise affect your SSI benefits.
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After you apply for Social Security disability benefits, you can expect to wait at least three to five months for a decision.
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And, thats only if the doctors are quick to send in the necessary information for the office to make a decision.
After that, a person still may need to wait some time to start receiving benefits.
As if having a disability wasnt stressful enough, the length of time it takes to wait for a decision can cause further stress.
Disabled individuals are limited by how much money they can earn.
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I Am Unemployed Due To Covid
If youve become unemployed due to the economic crisis caused by the COVID-19 pandemic, you can apply for unemployment insurance benefits. Unemployment benefits do not affect or reduce retirement and disability benefits. State unemployment compensation payments are not wages because they are paid due to unemployment rather than employment. However, income from Social Security may reduce your unemployment compensation.
To learn more about receiving unemployment insurance and Social Security benefits at the same time, dont hesitate to contact the unemployment agency in your state or a local disability advocate group in your area. Or, reach out to any of DEFS experienced disability advocates! We are here for you and happy to help answer any of your questions.
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Disability Income Limits In 2021
It is possible to both receive disability benefits and earn income at the same time, provided that you earn under a certain amount and conform to other Social Security Administration requirements. As of 2021, the maximum amount of money an individual can earn while receiving SSDI benefits is $1,310 for non-blind disabled workers.
If you dont have enough work credits to qualify for SSDI but are still disabled and low income, you may qualify for Supplemental Security Income instead. SSI income limits are based on the federal benefit rate , which is currently $794 per month for individuals or $1,191 for couples. Earned income exclusions may make it easier for you to qualify for SSI.
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When Do Work Hours Matter For Ssdi
If you earn more than $1,260 per month, the SSA considers you to be self-supporting. Hours are not usually what the SSA looks at if youre on SSDI. However, the hours you work might matter if:
- You are self-employed.
- You are the head of a business, such as an LLC or corporation.
When you work for yourself, you can work hours without receiving an hourly wage. In that case, the SSA will look at how many hours youve worked, plus your monthly income.
Social Security typically allows up to 45 hours of work per month if youre self-employed and on SSDI. That comes out to around 10 hours per week. The SSA will also see whether or not youre the only person working for your business. You must not be earning SGA, along with not working too many hours.
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What If You Exceed The Ssd Monthly Income Limit Temporarily
Receiving Social Security Disability benefits may suggest that someone is too disabled to do any work. Thats simply not true. The measure to continue to be eligible for SSD benefits is whether a person can earn more than the monthly SSD income cap. Many worthy, qualified, eligible disabled SSD beneficiaries work or earn income part-time, but their income remains beneath the monthly maximum limit.
But what do you do if your part-time job is in a retail store where you earn more during the holiday shopping season?
Do you lose your SSD benefits if you exceed the monthly income cap for two or three consecutive months? During the month or more in which you earn more income than the SSD regulations allow to remain eligible for SSD benefits, you do normally lose the payment for those months. If a retail worker earned more than the income limit in November, December, and January, but then either got laid off or had their hours reduced to a level bringing their income under the SSD income cap, then they would immediately regain SSD benefit eligibility.
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Can You Own A Car If You Are On Social Security Disability
Yes. If you receive Social Security Disability Insurance , there is no limit to how many cars you can own. If you receive Medicaid or Supplemental Security Income , you are allowed to own one car. We have a lot more information about disability benefits and cars here.
Earning More Than The Annual Limit
You wont get an assistance payment if:
- You reach your annual limit and
- Your monthly earnings continue to be over assistance rates
You may be able to continue to get medical and transportation benefits. You wont lose your Persons with Disabilities designation.
You should continue to submit your monthly report form each month if you reach your annual limit. This will make it easier for you to get disability assistance when youre eligible. If you continue to submit your monthly report forms, you may be able to receive disability assistance without having to reapply:
- If your earnings fall below disability assistance rates
- When you are eligible for a new earnings exemption limit in the new calendar year
If you do not continue to submit your monthly report form each month after reaching your annual limit, you will need to reapply for assistance.
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Out Of Work And Need Help Determining If You Qualify For Social Security Disability Benefits
The Social Security Disability application process is extremely complicated and frustrating. Dont worry, our experts have . Weve seen just about everything ad we are ready to review your case and determine the best next steps moving forward.
Lets see if you qualify for Social Security benefits. Call us today at the number at the top of the page.
Let Crest SSD Help You File Your Social Security Disability Claim.
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Disclaimer: We are a privately owned, nationwide advocacy service. Any information you receive on this site is not intended to be, nor should it be construed as, legal advice. Using this website or contacting us does not create any type of legal or fiduciary relationship. Crest SSD is neither affiliated with nor endorsed by the Social Security Administration or any other government agency or entity.
Working In Any Years Before You Hit Fra
The earliest you can claim Social Security is 62, but if you were born in 1943 or later, the earliest you’ll reach FRA is 66. This means you could both work and earn Social Security benefits for as long as four to five years before you reach the year you’ll hit FRA. In any of these years, your benefits will be reduced by $1 for every $2 earned above a set income limit.
The amount you can earn without affecting benefits changes each year. For 2019, the limit is $17,640. This is the limit that applies to you if you will not hit FRA in 2019 but are working and receiving Social Security benefits at the same time during this year.
Let’s take a look at how this could affect your benefits, assuming you were scheduled to receive $14,000 in total checks from Social Security in 2019 and that you will not hit FRA during the entirety of this year:
If you have some money withheld from benefits due to working too much, you get credited for this and eventually get your money back — provided you live long enough. We’ll discuss how and when your withheld funds come back to you below.
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