Working While On DisabilityBy Kenton Koszdin Law Office on July 17, 2015 | In Social Security Disability
Disability benefits are reserved for individuals who are too injured to work. Therefore, there are limitations on how much you can earn when applying for and while receiving disability benefits. While it may be tempting to try to return to work, you don’t want to risk losing your Medicaid or Medicare eligibility.
However, there are work incentive programs available for those who wish to return to work including cash benefits for working, continuing coverage, vocational training and even reimbursement for items purchased to accommodate your disability. If you wish to earn income in addition to your disability benefits, you must use caution regarding how much you earn. The Social Security Administration has a limit on the amount you can earn and still receive benefits known as “substantial gainful activity” (SGA). If you are working and earning over $1,090 a month, or $1,820 for the blind, you will no longer qualify for disability benefits.
There are a few exceptions to this rule. For example, individuals receiving Social Security Disability Insurance (SSDI) can test their ability to return to work while receiving benefits for a nine-month trial period. In the year 2015, if you earn over $780 a month, it will count towards your trial period. If you are self-employed and work over 80 hours in a month or earn more than $780, it is considered a trial work month as well. After your nine-month trial work period has passed, you can still receive benefits during the next 36 months if your earnings fall below the SGA. Whenever you earn over the SGA, you will not receive disability benefits.
Supplemental Security Income (SSI) works a little differently than SSDI. The amount of money you can receive through SSI will depend upon the amount you earn. If you earn over the SSA income limit for SSI, you will not receive benefits. If you earn half the limit, you will receive about half of your full benefits.
It is admirable and understandable to want to earn more money for your family. If you are currently receiving benefits and would like to know your employment options, do not hesitate to discuss your options with a Los Angeles Social Security Disability attorney. You don’t want to put your disability status at risk by moving forward without first reviewing all of your options.