When making money while receiving Social Security Disability Insurance, keep in mind not all money is considered equal. The source of your income is as important as the amount of income when determining if you're making too much money to receive SSDI. SSDI is designed to help people who have a disability that's so severe they can no longer be gainfully employed. While accepting SSDI, you can work part-time and still receive partial SSDI
benefits as long as your income doesn't exceed $1,010 ($1,690 if you are blind) per month. The Social Security Administration also has a program called Ticket to Work (TWP) that allows you to work part-time on a trial run for nine months without impact to your benefits, as long as you remain disabled and are earning more than $720 in the trial month period. After your TWP trial period, you can continue to work and receive partial benefits for up to three years as long as your
earnings don't exceed $1,010 ($1,690 if you are blind) per month. Monies received from outside sources may or may not reduce your monthly benefits, depending on where they come from. Receiving money from private sources will usually not impact your SSDI benefits. Some examples of private sources include: insurance benefits, private pensions and personal injury settlements. Benefits received from public sources can alter your monthly benefits. One common example is workers'
compensation from any government agencies, employers, or insurance companies that your employer uses. Other public sources include payments from a state, federal, or local government that cover non-work-related medical disabilities. The following public benefits don't affect SSDI: Veteran’s Administration benefits; state and local government benefits where Social Security taxes were deducted from your earnings; and Supplemental Security Income (although outside money sources
can impact those SSI benefits). If you're receiving monies that will affect your monthly benefits, the SSA has a formula to determine your reduction. All applicable incomes, including your personal SSDI benefits and any benefits payable to family members are added together. If this total is greater than 80% of your average current earnings (as determined by the Social Security Administration) the difference will be deducted from your monthly benefits. So while it's
possible to make too much money to receive SSDI benefits, the amount varies from person to person. If you've applied for SSDI and been denied, sometimes the SSA could say you're making too much money for SSDI. In that case, it's wise to get a qualified SSDI attorney to put together a strong appeal. Call us today at 816-842-7100 to speak with an attorney that will fight to get you the compensation you deserve. Or you can click here to email us and schedule your free consultation. We currently only serve clients in the Kansas City DMA.  Many people who qualify for Social Security Disability benefits continue to work for a variety of reasons. You might enjoy your work, wish to supplement your disability income as much as allowable, or wish to gradually return to work to keep your skills up to date for an eventual return to full-time employment. Whatever your reason for working, you might be concerned about how much you can make while on disability without putting your disability benefits at risk. The Social Security Administration (SSA) allows trial work periods and imposes income limits that define how much you can earn while still receiving the benefits you are entitled to collect. The SSA uses more than your income to determine your employment earnings limitations. They also calculate and deduct job-related expenses that come with your employment. You can hire a lawyer to represent you throughout the benefits application or appeals process. They may help you determine your earning capacity and its effect on your monthly benefits. In This ArticleHow Much Can You Earn While on Disability?The SSA provides recipients and potential recipients with an online benefits calculator. With the SSDI eligibility calculator, you can estimate the amount of current and future monthly benefits you might be able to receive. SSA guidelines may also allow you to work on a trial basis to determine your ability to return to gainful employment. If you earn more than $1,350 per month in 2022, the SSA considers this substantial income. This is the amount you can earn before jeopardizing your disability benefits. If you receive disability due to blindness, your earnings cap is $2,260 in 2022. Called substantial gainful activity (SGA), these amounts also take your work expenses into account. It also increases most years and allows you to take deductions prior to making calculations that determine your income. For example, you may be able to take the following deductions:
These and other allowable deductions can mean the income you earn from gainful employment lets you enjoy the benefits of working while also receiving the disability benefits. You can review your benefits, employment income, and allowable deductions with your lawyer, who can help ensure your willingness to work does not put your benefits at risk. For a legal consultation, call 828.286.3866 Types of Earnings That Impact Your SSD BenefitsIt’s important to consider the types of income that qualifies as substantial gainful activity for the SSA. Generally, the agency only looks at “earned” income. Earned income includes the money you make while working as a:
All the funds earned in these positions apply towards your monthly limit for SSD benefits. However, you may earn income outside of these more traditional methods. For example, you may earn money by:
How many assets you can have and still claim Disability depends on whether you are filing for SSI or SSDI. Counting Income and the SSI ProgramThe SSA also administers the Supplemental Security Income (SSI) program. This program provides funding for individuals who are over the age of retirement, blind, or disabled if they have limited resources and income. The SSI program provides compensation even if you never worked or paid into the Social Security system. While it aligns with SSD in many ways, the SSA uses different regulations on allowable earnings for this program. Under the SSI program, you may earn up to $1,600 a month and still receive some benefits. However, if you earn anything over $65 a month, the SSA starts to reduce the monthly compensation they offer through the SSI program. The SSA reduces your SSI payment by half of your earned income minus $65 every month. For example, let’s say you earned $1,065 a month while on SSI. The SSA subtracts $65 and then divides $1,000 by half, leaving you with $500. The SSA then subtracts the $500 from your SSI monthly payment, which would be $794 in 2021. Therefore, you would receive $294 for your SSI payment at that level of compensation from your job. Qualify and Apply for Disability BenefitsAccording to the SSA, you should qualify for Social Security Disability Insurance (SSDI) benefits if:
In addition to these two criteria, you must have a disability that prevents you from participating in your previous form of employment. Your disability must prevent you from adjusting to or accepting other forms of employment. Finally, your disability must be expected to have a duration of at least one year or be expected to result in death. If you meet these criteria, SSA administrators may then use a step-by-step process to determine your eligibility. You may be asked the following five questions:
SSA administrators also consider your disability, age, education, previous work experience, and other factors. Special conditions may apply if you are blind, have low vision, or are the surviving spouse of a qualified worker, a disabled child, or a veteran. Speak to your lawyer about how these conditions might affect your eligibility for benefits. Complete a Case Evaluation form now Include These Documents with Your ApplicationAccording to the SSA, your disability application must include:
You should also include information needed to contact your doctors, caseworkers, and all hospitals and clinics where you received care. Include the dates of your visits and any other relevant information. Our legal team can collect these documents from you to complete your application. Returning to Work While on SSDIf you decide to return to work while on SSD, you may apply for the Ticket to Work program. This program allows you to try a new job or return to your old position. You begin the program by notifying your Social Security office that you plan to return to work. The SSA provides you with a Ticket to Work. After this, you can look for and secure a job. Ensure that you report all your earnings properly to the SSA. If you do not report your intention to return to work, the SSA may cancel your disability benefits when you receive your first paycheck. Get Legal Assistance When You Need It MostOur team is committed to helping Social Security Disability applicants navigate the complex claims process. We also work hard to ensure a return to employment does not jeopardize your benefits. Your lawyer can help you determine how much you can make while on disability without having to risk losing your benefits. Get legal assistance when you need it most by contacting Farmer & Morris Law, PLLC. Call or text 828.286.3866 or complete a Case Evaluation form |
How much money can i make on social security disability
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