What Is The Extended Period Of Eligibility
The extended period of eligibility is a 36-month period following your trial work period. During this time, you can continue to receive SSDI benefits for any month in which your earnings from work are not considered substantial.
For example, say January is the last month of your trial work period. In February, you earn $1,500 from work, but in March, you only earn $900. You would not receive SSDI benefits for February since your earnings are over the SGA monthly limit of $1,260. However, you would receive SSDI benefits for March since your earnings are below this limit.
You wont need to reapply in order to get benefits for every month you qualify during the extended period of eligibility. As long as you are within this 36-month periodand earning less than the SGA monthly limityou will receive SSDI benefits.
How Much Can I Earn While Drawing Social Security Disability In 2019
While you cannot make over $1,220 per month to be approved for social security disability, the rules change if you are approved in terms of what you are allowed to make while drawing disability. It is expected that you are not working for a living if you are drawing benefits, but you are allowed to make money within a certain threshold. This is considered a trial work period.
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. Since all income while drawing disability needs to be reported, earning too much will be flagged. And once your trial work period ends, it is expected that you will not continue working.
In addition, if you are working while on social security disability, your inability to work a job which has a regular wage could come into question, sparking a re-evaluation of benefits.
If you are currently on social security disability benefits and considering working to earn supplemental income, it would be a good idea to ask an attorney if it is a good idea.
If you have any questions on this topic, or need help applying or appealing a decision concerning social security disability, dont hesitate to call Tabak Law at 844-432-0114.
About Sharon Christie Law:
Sharon Christie is the owner and founder of Sharon Christie Law, and is an attorney and former nurse. Her team of professionals and paraprofessionals help people win Social Security Disability Benefits! Our Social Security Disability Law Firm serves clients in , Southern Pennsylvania, Northern Virginia, and Washington DC.
Search for a particular video
Read Also: Va Disability Sciatica
The Trial Work Period For Ssdi
During the first nine months that you return to work, you’ll continue to receive your SSDI benefits, even if you work more than the amount that Social Security considers “substantial gainful activity,” or “SGA.” At the end of nine months of work, your trial work period is over and your benefits will stop if you are doing SGA.
You are entitled to nine trial work months during your trial work period, but a month doesn’t count toward your nine months if you make less than $940 or if you work less than 80 hours per month in self-employment . Your nine trial work months don’t need to be consecutive, so there can be gaps between the trial work months that count toward your nine-month limit.
Once you’ve used nine trial work months during any five-year period, you have exhausted your trial work period and are generally not entitled to another trial work period. There are a few situations where you can get another trial period:
- your SSDI benefits end due to working and you become entitled to benefits again by submitting a new application for SSDI benefits
- your SSDI benefits end due to working but you become entitled to benefits again through “expedited reinstatement,” or
- you don’t use up your nine months in a five-year period.
In addition, if your disability benefits stopped for a period but you became eligible for benefits again through expedited reinstatement , you are eligible for a new trial work period 24 months after your disability benefits are reinstated.
Can I Get Disability Allowance In Hospital Or Residential Care
You can get Disability Allowance, if you are in hospital or residentialcare.
If you are already getting DA and go into hospital or residential care, youwill continue to get your payment, as long as you continue to meet thequalifying conditions above.
If you were not getting DA before you started living in residential care,you can apply for DA.
How Your Ssdi Payments Are Calculated
The severity of your disability will not affect the amount of SSDI benefits you receive. The Social Security Administration will determine your payment based on your lifetime average earnings before you became disabled. Your benefit amount will be calculated using your covered earnings. These are your earnings at jobs where your employer took money out of your wages for Social Security or FICA.
Your SSDI monthly benefit will be based on your average covered earnings over a period of time, which is referred to as your average indexed monthly earnings . The SSA uses these amounts in a formula to determine your primary insurance amount . This is the basic amount used to establish your benefit.
SSDI payments range on average between $800 and $1,800 per month. The maximum benefit you could receive in 2020 is $3,011 per month. The SSA has an online benefits calculator that you can use to obtain an estimate of your monthly benefits.
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.
For a free legal consultation, call
Don’t Miss: Naval Reserve Retirement Pay Calculator
Canada Disability Savings Grant
When you or another person contribute to a registered disability savings plan , you can apply for the Canada Disability Savings Grant. The grant adds money to your RDSP. The amount depends on how much you contribute and your family income.
The grant money must stay in your RDSP for 10 years before you can withdraw it. If you withdraw it early, you must pay some of it back.
How Different Things Affect Ssi
Because SSI is a needs-based disability program it means that anyone applying for SSI must only have income and assets that fall below a threshold. Those who have “countable income” above the federal benefit rate , which in 2020 was $783 for individuals and $1,175 a month for a married couple, are not deemed eligible for SSI.
Anyone who has some countable income, which falls below the FBR, will face having their monthly SSI payments decreased by the value of the countable income. If an applicant for SSI has no countable income at all and is eligible for SSI, he or she will be awarded the total FBR paid monthly.
Because SSI is viewed as a need-based program, this means to qualify for benefit payments a number of factors concerning your income and assets are taken into consideration. Any adult in receipt of SSI payments will have any assets and other financial resources considered as well as income before the SSI benefit can be paid. These could include any of the following:
- retirement funds
- interest received as income from investments
- support provided by family and friends
- cash or assets from inheritance.
Any assets that have a monetary value like:
- cars and other motor vehicles and
- commercial rental property.
If you own only one home or one motor vehicle it is unlikely the value of these will be used in an SSI assessment. It is only likely to be evaluated if you own more than one vehicle or house.
- investment income.
Recommended Reading: Wv Handicap Placard
Special For Adult Disabled Children
For a parent awarded SSD benefits for their adult disabled child, meaning a child over age 18, different rules apply. There is no five month waiting period. However, complex rules determine the “entitlement date.” You may need the assistance of an attorney to understand the benefits your adult child is entitled to.
For disabled parents, back pay for their adult disabled child will not go back any further than 12 months before the parent applied for benefits. If the child does not become disabled until after age 18, the earliest benefit date will be the first full month after the adult child is disabled.
Our Iowa Social Security Disability Lawyer Explains
The overall premise behind receiving disability benefits from the Social Security Administration hinges on the notion you are too ill or injured to continue working and earning an income.
That being said, it is also possible, and common, for benefits recipients to work part-time while disabled however, the SSA will likely reduce the benefits amount or otherwise impose a penalty on the recipient.
Call our SSD attorney at Beecher, Field, Walker, Morris, Hoffman & Johnson, PC at 801-1633 orcontact us online today!
An Iowa Social Security Disability lawyer is the best person to speak to about:
- what penalties or adjustments you can expect
- or if you are already receiving benefits and have questions about how part-time employment will impact your monthly payment
You May Like: Va Rating Degenerative Disc Disease
The Extended Period Of Eligibility
After your nine-month trial work period expires, you begin the 36-month extended period of eligibility. During this time, you can earn less than the SGA limit and still receive your full monthly SSDI benefits.
The first month you exceed the SGA limit, the SSA no longer considers you disabled. You will get your benefits for that month and the next two months, and then benefits will stop.
If your monthly income later falls below the SGA limit again, the SSA can restart your benefits without requiring a new application if you are still within the 36-month extended period of eligibility.
How Much Money Can I Really Earn
The amount of money you can make while on disability will vary quite broadly. It depends on many factors such as: what approach you take, how much time you devote to your business, how consistent you are and how hard you work.
I will not give you false home and promise miracles overnight. You won’t make hundreds of dollars per day within the first week of starting. But with consistent effort and a smart plan you can make hundreds of dollars per day or more! There are people who make thousands of dollars per week using these methods.
It all depends on how much time you’re willing to put in. So enough with the fluff, lets get started!
Don’t Miss: How Much Is Ssi In California 2019
Some Dorms Of Income Are Not Included In These Limits
These differ slightly from SSDI to SSI. In regards to SSDI, most forms of income that are not made directly from work wages or under-the-table work are not included in substantial gainful activity. This includes investments, interest, a spouses income, or other assets.
When referring to SSI, it gets a bit trickier. Some assets and interest may count towards the monthly total while others may not. However, income from a spouse does affect the limit for SGA couples have an income limit of $1,103/month.
Even if you may have substantial gainful activity, you can still apply for SSDI/SSI.
Situations vary greatly from person to person. Depending on the nature of your disability and the nature of your income, you may still qualify for SSDI or SSI. Do not let these numbers prevent you from applying altogether it is always better to apply and not qualify than not apply at all.
How Much Backpay Will I Receive
You will receive back pay based on what is called your “entitlement date.”
For SSD, your entitlement date is generally five full months after your “date of disability onset” or twelve months before the date you submitted your application, whichever is later.
Social Security will determine the date of onset of your disability based on the medical evidence the agency has collected about you from your doctors and from hospitals that have treated you. Having to wait five months before getting any benefits basically means your first five months of benefits are withheld.
For SSI benefits, even if your disability began before you applied for benefits, your official date of onset will be sometime after the date you applied. This is because no benefits are paid to SSI recipients for periods before an application for benefits was submitted. Your back payment will be paid from the month after your application date through the date benefits are awarded to you.
Read Also: Are Allergies Considered A Disability
Working While You Receive Ssi Or Ssdi Benefits
If you want to try to go back to work while you are on SSDI or SSI, it is important to try to plan ahead. You will not automatically lose your disability benefits if you go back to work. SSA has special rules called work incentives. They allow you to keep all or part of your benefits while you try out your ability to work. SSAs rules concerning work, however, are complex and can be confusing. There are agencies in Illinois that can help you plan and determine how work earnings may affect your benefits. For agencies that can help you, see the directory of agencies on SSAs website. Note: Be sure to let SSA know if you start a job or leave a job. For SSI you must also report any changes in your monthly income, your assets, or your living situation. Changes can affect the amount of your benefit. Reporting right away will help you avoid any overpayment problems with SSA. Keep a record of any change that you report. Then you can show that you made a timely report even if SSA later claims it never received it.
Working and SSDI benefits
After the Trial Work Period ends, there is a 36 months where you can’t get a SSDI monthly payment if you earn more than $1,310. This period is called the “Extended Period of Eligibility.” During these 36 continuous months, you can receive your full SSDI check for any month that:
- Your earnings fall below $1,310,
- You lose your job, or
- You become unable to continue to do your job.
Working and SSI
Expedited reinstatement for SSDI or SSI
How Much Money Can I Have In The Bank On Disability Benefits
Posted by Corey Luedeman
If you are looking into applying for disability benefits, you may have heard there is a limit on how much money you can have in the bank.
Its important to understand there are two types of disability benefits SSDI and SSI. The amount of money you have only matters for one of these types.
You May Like: How Much Disability In California
Need Help Understanding Your Benefits The Wolf Pack Has Your Back
Can you work part time on Social Security Disability? Does my part-time job exceed the SGA limit? How do I start my trial work period? From the start of the application process for disability benefits to long after youve been approved, there are many difficult questions you may have.
If you need help applying or appealing for SSDI or SSI benefits, The Wolf Pack at Colbert Cooper Hill Attorneys has your back! Serving disabled individuals and their families in Oklahoma City, Tulsa, Ardmore, and surrounding communities, our experienced disability attorneys will do everything in our power to help you get approved for the benefits you deserve. We know the ins and outs of the Social Security system and will answer any questions you may have about your benefits.
Contact The Wolf Pack today at or fill out our online form to get your free case review today!
Property Essential To Self
Property Essential to Self-Support is anything that you own and need to support yourself. Social Security does not count these things as resources when figuring out if you are eligible for SSI benefits. Three types of property can be excluded as PESS:
- Property that you use in a trade or business or personal property you use for work as an employee
- Up to $6,000 of the value of nonbusiness property that you use to produce something that helps with your daily living
- Up to $6,000 of the value of property if the property gives you a return of at least a 6% per year
You must be using the property to support yourself or expect to start using it again within a reasonable period of time, usually 12 months.
Read Also: Can I Get Disability For Sciatica
Can I Work If Im On Disability
Generally, SSDI recipients cant start doing whats considered substantial gainful activity and continue to receive disability benefits. For SSDI recipients, there is a trial work period during which you can make more than the SGA amount without losing your benefits.