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.
What Happens If The Adult Child Gets Married
If he or she receives benefits as a disabled “adult child,” the benefits generally end if he or she gets married. However, some marriages are considered protected.
The rules vary depending on the situation. Contact a Social Security representative at 1-800-772-1213 to find out if the benefits can continue.
To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.
What Can Cause Benefits To Stop
Two things can cause us to decide that you are no longer disabled and to stop your benefits:
if you work at a level we consider “substantial.”
In 2021, average earnings of $1,310 or more per month are usually considered substantial. The amount of earnings that we consider substantial changes each year.
- if we decide that your medical condition has improved to the point that you are no longer disabled.
Remember, you are responsible for promptly reporting any improvement in your condition, or if you return to work. The booklet we send you when your application is approved explains what you need to report to us. For more information on what else may cause your benefits to stop, refer to How We Decide if You Still Have a Qualifying Disability.
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Certain Immigrants Over Age 65
Retired people who immigrate to the United States will not have the 40 U.S. work credits that they need to qualify for Social Security benefits. One way to rectify this problem is to earn six work credits in the United States and receive prorated U.S. benefits combined with prorated benefits from their former country under a totalization agreement. This solution makes sense for workers who also do not have enough benefits in their home country to qualify for that countrys equivalent of Social Security payments.
Older immigrants who do not qualify for U.S. Social Security and whose countries laws allow them to receive benefit payments while residing abroad can claim their Social Security or pensioners benefits while living in the U.S.
Can I Receive Social Security Disability And Retirement Benefits
In most cases, you cannot receive Social Security disability and retirement benefits at the same time, since SSDI benefits are meant for those who cannot work due to injury or illness. If youre receiving retirement benefits, it is already implicit that you are no longer working. There is one exception to this rule, however.
If you take an early retirement at age 62 before applying for disability benefits, and are later found to have been eligible for disability during that time, the Social Security Administration will make up the difference between your early retirement benefits and your monthly disability benefits for those months that you received early retirement payments. Of course, youll have to submit adequate documentation that you took an early retirement because of your disabling condition.
Its also worth noting that some individuals can draw monthly benefits from more than one Social Security program. For example, you may be able to qualify for both SSI and SSDI or retirement and SSI.
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The Trial Work Period Incentive
You can continue to receive your Social Security disability benefits while working during whats referred to as a Trial Work Period . For 2014, if you earn more than $770 in any given month while receiving SSD, you will be automatically begin a TWP.
Under the TWP incentive, you can receive your full benefits for nine months in any five-year period while earning $770+ per month. If your income falls below $770 in any given month, it does not count toward your nine-month TWP.
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.
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Can You Work And Receive Social Security Disability Benefits
If you are disabled and looking to keep working while still receiving benefits from the SSA insurance scheme, there are things to keep in mind. Whether you lose all your entitlements or get to keep them is dependent on what the SSA terms Substantial Gainful Activity.
If you are eligible for SSD benefits, you will continue receiving them while working under SGA. The latter allows you to undergo an employment test period. During this time frame, youll receive all the social security disability benefits youre entitled to.
The trial period is for you and the SSA to determine whether you can work with your limitations. The test can last for nine months, and the SGA scheme will consider the number of hours you worked.
The SGA usually considers 80 hours or more of work as a trial month. It is prudent to have a disability law attorney to assist you with this and help you communicate with the SSA officials.
Can I Work If Im Approved For Disability
If you are approved for benefits, the impact of your work varies depending on the type of benefit you are receiving. In the case of Social Security Disability Insurance benefits , the SGA limit continues to apply, but there is a trial work period. During this 9-month period of time, you can earn more than the SGA limit without it affecting your continued disability. If you continue earning above SGA after the nine month period, your benefits may terminate due to your return to work.
In the case of Supplemental Security Income , income of any kind, whether earned or unearned, will affect the amount of your benefit. The amount of the SSI payment will be reduced by $1 for every $2 of income and if you work at SGA levels beyond the trial work, you will no longer be considered disabled under the SSA rules.
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What Happens If I Go Back To Work While On Disability
In most cases, if you return to work but are later unable to continue working due to the same disability, you won’t need to re-qualify for disability benefits. You will simply be placed back on SSDI, SSI, or whatever disability programs you previously qualified for. … Your disability benefits would be reduced by $400.
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.
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How Much Can I Work And Still Receive Benefits
The amount you are allowed to work differs for the Social Security Administration s two benefit programs. Social Security Disability Insurance and Supplementary Security Income have different rules and program requirements.
Social Security Disability Insurance
For SSDI, you can only receive benefits if you cannot work a full time job, or enough to be considered substantial gainful activity . Therefore, most recipients receive SSDI in place of working. It is possible to work part time, but this can make it harder to prove you cannot work full time. If you are on SSDI already, you cant start making the SGA amount regularly. To make it easier for you to go back to work, they offer a nine-month trial period. You can receive full benefits for nine months while making over the SGA for nine months to test if you are able to work with your disability. In 2020, any month that you make more than $940 or work more than 80 hours if youre self-employed is considered a trial month.
If you return to work and lose your benefits, you are still eligible for Medicare for at least 93 months after your nine-month trial period.
Supplementary Security Income
The amount of your monthly payment depends on your income. If your income decreases while on SSI, your payments can be increased up until the limit of $794. If you income increases, your payments will be decreased.
How Many Hours Can I Work While On Ssdi
To receive Social Security Disability Insurance benefits, you must meet specific criteria. If you are earning money, you can only make up to a certain amount to qualify for benefits. For most people, how many hours you work doesnt count as much as how muchyou earn per month on SSDI.
If youre having trouble with your application or arent sure what you can do while on SSDI, you can always contact a Georgia Social Security Disability attorney. Our firm will give you a free consultation so you can better understand what we can do for you.
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The 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 arenât âsubstantial.â In 2022, the SSA considers monthly earning over $1,350 to be substantial. No new application or disability decision is needed to receive an SSDI benefit during this period.
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.
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.
But In Some Cases You May Take Part In Work Incentives While Receiving The Full Amount Of Ssdi
Can i work part time while on social security disability. You can generally work part time while you apply for social security disability benefits as long as your earnings don’t exceed a certain amount set by social security each year. As of 2020, you can earn up to $1,260 per month and still receive ssdi. While a person with a disability other than blindness applying for or receiving ssdi cant earn more than $1,310 per month by working, a person collecting ssdi can have any amount of income from investments, interest, or a spouses income, and any amount of assets.
Can i work part time while on ssdi? Social security disability insurance payments will stop if you are engaged in. If youre blind, and you work while receiving social security benefits, there are special rules:
The answer depends on how much is actually earned in monthly gross wages, not on the number of hours worked. If you are going back to work because your health is improved, and your goal is to transition off benefits, that is wonderful. The social security administration notes that you cannot make more than a certain amount of money to qualify for benefits.
The ssa defines substantial gainful activity as any monthly earnings over $1,260 except for those who receive disability for vision problems. How much can i earn in 2020 and still collect social security disability? Sga, as its known, is defined in 2021 as earning more than $1,310 a month .
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Have Questions On Social Security Disability Benefits Contact A Wisconsin Disability Lawyer At Tabak Law Llc
Due to the long and complicated process involved in obtaining approval and getting SSD benefits, it is best to have a disability benefits attorney with you. At Tabak Law LLC, our team of experts has years of experience getting approvals for applicants. Thus, if you are injured, unable to work, or wish to return to work despite your condition, schedule a free consultation with us to review your case.
Substantial Gainful Activity & Disability Benefits
As mentioned above, eligibility for SSI and SSDI is based on your inability to work. This is specifically defined by the SSA as a substantial gainful activity, or SGA. Earning more than a certain amount of money is deemed engaging in a substantial gainful activity, which would make one ineligible for benefits. As of 2020, the substantial gainful activity limit is $1,260 per month for disabled applicants.
If you earn more than that, you may not be eligible for SSDI. There is no limit on unearned income.
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Get Help Qualifying For Disability Benefits
The truth is, applying for disability can be a long and sometimes frustrating process. Most first-time applicants are denied, and appeals can take months. However, this doesnt mean you should give up hope. With the help of an experienced Social Security disability lawyer, you can increase your odds of being approved the first time and strengthen your claim should you need to go through the appeals process.
To find out the difference having dedicated representation on your side can make, contact us at Social Security Disability Advocates USA today. Well arrange a free, no obligation consultation with our legal team to review your disability claim and help you make the right decision for you and your family. Get in touch 24/7 by calling , connecting with one of our LiveChat agents, or by filling out this form to request your complimentary case review.
This is attorney advertising. SSDA, LLC is a group of attorneys that pursues claims for Social Security Disability benefits on behalf of its clients against the Social Security Administration. SSDA, LLC is in no way a part of the Social Security Administration. Further, the information on this blog is for general information purposes only. Nothing herein should be taken as legal advice. This information is not intended to create, and receipt or viewing does not constitute, a representative-client relationship.