What Should You Do If You Are No Longer Able To Work After Your Benefits Stop
Many people who receive SSDI benefits successfully return to work, which means they will no longer qualify or need benefits. But if you cannot continue to work and your benefits have already stopped, you need to take action right away to reinstate your SSDI benefits.
You have five years to ask the SSA to reinstate your benefits if you cannot continue to work due to your disability. Fortunately, you will not be required to submit a new application or wait for months to hear whether or not you are approved. However, you must make sure that you request an expedited reinstatement within this five-year period.
How To Make Sure You Dont Lose Your Ssdi Benefits
If youre thinking about applying for disability but are still employed, or if youve been receiving benefits but are considering part-time work to help make ends meet, its crucial that you get all the facts before making any decisions that could put your disability benefits in jeopardy.
To get help with applying for Social Security programs, appealing a decision, or just to talk about all your legal options, consider contacting an experienced Social Security disability lawyer at Social Security Disability Advocates USA.
Our friendly legal team will schedule a free consultation to review your case and help you understand the possible impacts of SSDI income limits. Call us today at , chat with us via LiveChat, or send us a message using our secure contact form.
What Is A Substantial Gainful Activity Limit And How Does It Apply To The Benefits
The SSA sets an upper limit for how much earned income you can make and still fit their definition of disabled. This is the substantial gainful activity limit. The SSA adjusts this limit annually to account for changes in the cost of living.
In 2021, disabled workers can earn up to $1,310 per month and still qualify under the SGA limit. There is a higher limit for blind workers, who can earn up to $2,190 per month. If you earn above this limit, you may not qualify for SSD benefits. However, if you earn above this level while already receiving SSDI payments, it will not automatically stop your benefits. You may be entitled to a trial work period.
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What Happens After I Win
The next question that comes up is The judge finds me disabled, can I keep working? The answer to that is yes, same rules apply.
If its Social Security Disability Insurance, then yes you can keep working, same numbers, just keep it under about $272 per week. Youll be fine. You have to keep Social Security updated. You have to let them know how much youre earning. They have a right to know, so the eight hours a day, three days a week, 10-11 bucks an hour, you should be fine.
If you have not been working while youre applying, Social Security has whats called the Ticket to Work program. You can go to any Social Security office, and theyll help you find work. There are programs that can get you back in school. If youre younger, you want to get retrained, you want to learn how to do something else, you want to get back into some kind of simple job that youre interested in still getting out of the house and doing some work, Social Security has programs for that. Theyll help you out.
Changes To Student Earned Income Exclusion In 2022
As a general rule, the money earned while working reduces the monthly benefit that you receive from SSI. However, a disabled or blind SSI beneficiary may exclude all or part of their monthly earned income through the student earned income exclusion. You must meet the following criteria to qualify:
- Disabled or blind according to Social Security eligibility guidelines.
- Be younger than 22 years of age.
- Regularly attend school, college, university, or vocational training.
If you meet all of the requirements, you may exclude all or some of your earned income. The student exclusion of $1,930 a month in 2021 increases in 2022 to $2,040. The maximum annual exclusion increases in 2022 to $8,230 from the 2021 annual maximum of $7,770.
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Will I Lose My Disability If I Work Part Time
En español | Yes, within strict limits. Social Security Disability Insurance payments will stop if you are engaged in what Social Security calls substantial gainful activity. SGA, as its known, is defined in 2020 as earning more than $1,260 a month .
Consulting With A Social Security Attorney
Social Security can be complicated and very intimidating to apply for. It is also vital that everything is completed correctly so that your chances of receiving benefits are their highest.
To maximize your potential to receive benefits, consider getting assistance from a Social Security attorney. Their expertise in filing paperwork and presenting cases can make all the difference you need to qualify for the benefits you deserve.
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What If You Make More Than The 2022 Maximum Income Limit
The SSA imposes limits on the amount benefit recipients can earn each month because they use the physically or mentally impaired persons ability to earn income as the defining factor to determine if their impairment qualifies as a disability for purposes of collecting SSD benefits.
The SSD program exists to provide financial support to people who paid FICA taxes into the Social Security Disability fund through many years of payroll deductions and self-employment taxes. The SSD benefit is intended to be a substitute for your lost wages or salary during your period of disability. But SSD benefits are reserved for disabled former workers whose injury or illness prevents them from earning an income to support themselves and their families.
The most experienced SSDI/SSD lawyers are experts in all the 2022 changes to SSD benefit levels, monthly benefit payments, and other details you need to know as an SSD applicant or recipient. Every SSD and SSI lawyer at Clauson Law devotes their professional life to helping disabled North Carolinians get the full benefit they deserve.
The SSA rules and regulations set the level of income the government believes is enough to be Substantial Gainful Activity . This Substantial Gainful Activity threshold is the SSD programs monthly income cap. Only those who are not able to perform Substantial Gainful Activities are eligible to receive SSD benefits, even if their physical or mental impairments are genuine.
Social Security Work Incentives
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.
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.
Can You Work Part Time On Social Security Disability In Oklahoma City
Social Security Disability is meant to provide financial support to those who are incapable of working and making a living due to a disabling condition or illness. However, even with disability benefits, many beneficiaries could also benefit from an extra source of income through a part-time job. But the Social Security system is notoriously strict, so a common question people have is: Can you work part time on Social Security Disability?
Learn more about the rules surrounding disability benefits in Oklahoma City and how a part-time job may affect your benefits.
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What Is The Trial Work Period
There is one exception to the SGA monthly income limit rule: the trial work period. If you are currently receiving SSDI benefits, the SSA gives you an opportunity to test your ability to work during a trial work period that lasts for a period of at least nine months.
If you participate in the trial work period, you will continue to receive the full amount of SSDI benefits regardless of how much you are earning from work. There is no limit on the amount of money you are able to earn during this periodyou will not lose your benefits.
The trial work period will end once you have earned more than $910 per month for nine months in a 60-month period. If you are self-employed, the trial work period will end once you have earned more than $910 or worked more than 80 hours per month for nine months in a 60-month period.
After your trial work period ends, you will enter an extended period of eligibility.
Maximum Monthly Income Changes
The 2021 income limit for those receiving SSDI benefits was $1,310 per month. That is what the Social Security Administration set as the income level above which iS considered a worker not disabled. The exceptions to that rule are explained below in this blog article. That level of monthly income was the maximum amount of countable income a recipient could receive unless they were blind. Blind applicants are permitted to earn more due to their special disability their income cap is $2,190 per month in 2021.
The new year brings an entirely new set of limits because the income caps and benefit amounts need to be adjusted to keep up with the rate of inflation seen during the previous year.
The new 2022 SSD monthly income limit is $1,350 for benefit recipients with vision and $2,260 for blind SSD recipients.
- 2021 Maximum Allowable Earned Income Drawing SSD Benefits = $1,310 per month.
- The blind SSD benefits recipients earning limit is $2,190 per month.
- 2022 Maximum Allowable Earned Income Drawing SSD Benefits = $1,350 per month.
- The blind SSD benefits recipients earning limit will be $2,260 per month.
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Extended Period Of Eligibility
So how does SGA affect a personâs eligibility to continue receiving his or her SSDI check? After the individual has accumulated 9 months of a TWP, he or she then has a 36- month period referred to as an âextended period of eligibilityâ . During the EPE, Social Security looks at whether earnings in any given month exceed the applicable SGA amount, after taking into account any gross wage reductions for IRWE or work subsidies. If adjusted net earnings exceed the applicable SGA amount, Social Security will make a determination of cessation of disability. The SSDI benefit amount will be terminated after the third month from the cessation of disability month. If wages drop below the SGA amount in any given month during the 36-month EPE, the SSDI benefit amount will be reinstated.
The importance of the EPE is that an individual can again receive the SSDI benefit amount in any month during the 36-month period when countable earnings fall below the SGA amount.
Employment: Social Security Disability Work Incentives At A Glance
SSDI WORK INCENTIVES
Trial Work Period The trial work period allows you to test your ability to work for at least nine months. During your trial work period, you will receive your full Social Security benefits regardless of how much you are earning as long as you report your work activity and you continue to have a disabling impairment. In 2021, a trial work month is any month in which your total earnings are $940 or more, or, if you are self employed, you earn more than $940 or spend more than 80 hours in your own business. The trial work period continues until you have worked nine months within a 60-month period.
Extended Period of Eligibility After your trial work period, you have 36 months during which you can work and still receive benefits for any month your earnings are not substantial. In 2021, earnings of $1,310 or more are considered substantial. No new application or disability decision is needed for you to receive a Social Security disability benefit during this period.
Expedited Reinstatement After your benefits stop because your earnings are substantial, you have five years during which you may ask Social Security to start your benefits immediately if you find yourself unable to continue working because of your condition. ou will not have to file a new disability application, and you will not have to wait for your benefits to start while your medical condition is being reviewed to make sure you are still disabled.
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Ssi Vs Ssdi Whats The Difference
To be eligible for either program, the Social Security Administration first determines if applicants are disabled using a specific definition.
According to the SSA, disabled means applicants:
- Are totally disabled .
- Cant do work they previously could before the disability.
- Are unable to adjust to other work because of a medical condition.
- And the disability has lasted for at least one year or will result in death.
Beyond this definition, the programs vary greatly.
Sometimes even beneficiaries dont get the distinction between the two, says Kathleen Romig, a Social Security policy expert at the Center on Budget and Policy Priorities. And the work rules are totally different.
In Many Cases The Answer Is Yes
, and originally published on May 16, 2016.
Social Security isn’t just for retirees it’s also designed to help people with disabilities stay afloat financially. As of 2017, nearly 9 million Americans received Social Security disability benefits. But as useful as those benefits might be, they’re often not enough to help recipients cover their living costs in full. If you’re receiving Social Security disability benefits, there’s good news in this regard: You can work and continue to collect your monthly Social Security payments as long as you meet certain criteria.
To be considered eligible for Social Security disability benefits, you cannot engage in what’s known as substantial gainful activity . The Social Security Administration defines “substantial” as earning more than a certain amount each month. For 2018, you can work and collect your disability benefits as long as your earnings don’t exceed $1,180 per month, or $1,970 if you’re blind . However, there are also exceptions to this rule.
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Limits On Types Of Services Provided
Certain own occ policies further limit your ability to work while collecting disability with a Professional Services provision. It will expand the types of work you cannot do while on disability to those that require the same professional or occupational license. So, your disability could terminate if your new work and the job you were disabled performing require the same license.
Despite these limitations, most own occ policies allow you to work in another profession without the loss of disability benefits. These three provisions are recent introductions to a minority of policies.
How Much Money Can You Earn Before It Affects Your Disability Pension
The DSP rules say how much you can earn before your DSP changes. In 2020 you can earn $178 each fortnight from having a job and your DSP stays the same. For every extra dollar you earn after $178, your DSP will go down 50 cents.
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Employment Schemes And Other Payments
People getting Disability Allowance can qualify for the Rural SocialScheme .
People getting Illness Benefit, Invalidity Pension, Disability Allowance,and Blind Pension can qualify for CommunityEmployment.
People getting disability payments are not eligible for the TÚSschemes.
People getting Disability Allowance and Blind Pension can qualify for WorkingFamily Payment if they meet the criteria. People getting InvalidityPension and Illness Benefit cannot work and therefore cannot qualify for WFP.People getting Partial Capacity Benefit do not qualify for WFP.