Can I Earn Money While On Disability?

This is one of the most common questions disability advocates hear from individuals applying for or receiving Supplemental Security Income and Social Security Disability Insurance. The short answer is yes. However, there some limitations to be considered. Let’s begin with the rules for SSI since this is a little more complicated.

For SSI, some income is excluded from consideration by the Administration and is therefore not “countable income.” This is usually the first $65 to $85 (depending upon certain circumstances) of earned income and then half of the amount over the $65 to $85. Here is’s example of how that works:

For example, if you make $1,465 per month, the SSA will subtract $65 (to get $1,400) and then half of the amount over $65 (to get $700). That $700 is your countable income from work, and it will be subtracted from your monthly SSI payment (which is $733 without a state supplement). You would still get an SSI payment of $33.

Nolo concludes by stating that, “In a nutshell, you can make about $1,550 a month before your SSI benefit is reduced to zero.” One thing to consider about that, though, is that SSA can infer that you are actually capable of working full time if your SSI benefit is so substantially offset most or every month. This is, in part, because the substantial gainful activity earnings limit of $1,130 per month still applies to non-blind individuals collecting SSI. In other words, while you can possibly earn that much while receiving benefits, doing so could cause your benefits to be terminated.

There are other types of income that are excluded from consideration as well as work incentive programs that can help you keep your benefits while you work and earn money. There are also some types of income that SSA will consider along with earned income when deciding whether to offset your SSI benefit such as settlement payments, child support, investment dividends, and more. The SSA has a guide to earning money from work while collecting benefits that anyone considering working while collecting SSI should read.

For SSDI, things are a bit simpler. A person may not earn over the substantial gainful activity (SGA) limit in order to continue to qualify for SSDI payments. Many, if not most, types of unearned income are not considered in analyzing whether a person is earning SGA. Generally, SGA is based on earned income. So, you must not work and earn in excess of the $1,130 monthly limit in order to continue to qualify for benefit payments.

If your earnings do happen to exceed SGA, then there are a few exceptions to the SGA rule that can apply. For instance, if you earn in excess of SGA for one to three months but then stop working you will likely be considered to have completed an unsuccessful work attempt and the income you earned will not be counted against you. For work attempts up to six months, the same rules apply, however, you will have to show SSA that you had difficulty meeting the requirements of the job and ultimately stopped working due to your conditions. There is also the trial work period rule that will allow you to work and earn over SGA for nine months out of a rolling sixty month period. There are other types of work, sheltered workshops for instance, where the earned income may not be counted against you for the purposes of computing SGA.

SSA has these exceptions to the earnings rule to encourage people living with a disability to attempt to adjust to any manageable types of work without losing the benefits that they otherwise may need to live. However, as with most things in the disability process, for the exceptions to the rules to apply, you must be willing to work with SSA by reporting your work activity and providing records of accommodations, subsidies, or anything else your employer may be doing to help you get back to work.

Please contact us today if you have any more questions about earning money while on disability or if you are considering filing a disability application.

SSI/SSDI Process: Doctors are doctors, lawyers are lawyers

One issue that often arises for SSDI advocates and claimants is unsupportive doctors. Most advocates will find out a doctor’s level of support for a patient’s case as a matter of course throughout the claim process either through medical records, procuring a medical source statement, a conversation with the doctor, or a combination of the above. Generally, doctors will be mostly supportive of a claim, however, some doctors are skeptical at best.

Potentially the most significant manner in which this issue manifests itself has nothing to do with a claimant, but the decision to apply itself. Similar to this example, many physicians seem to be inherently distrustful of the SSI/SSDI system. So, when doctors are asked by their patients if they should apply for disability many times the answer is a firm “no.” The question is, should it be? Wouldn’t the better answer be, “it’s your choice”?

The AMA’s Journal of Ethics states that the majority of doctors will encounter a disability claim at one point in their careers or another and will be given substantial influence over the outcome. This is because physicians’ records will be given substantial or controlling weight depending upon the patient’s relationship to the doctor, the doctor’s specialty, and the completeness of the doctor’s evaluation(s), among other considerations.

So, why, when he or she has so much control over the outcome of a case, would a doctor be uncomfortable in suggesting that a person apply for disability?

One reason appears to be that, due to repeated exposure to the SSDI and SSI systems doctors have seen some “bizarre and inequitable awards,” or generally view some of their patients as “gaming the system.” In the case that caused that article’s author, Dr. Mokotoff, to use such strong language, his patient suffered from hepatitis C. He goes on to point out that his patient was not, at the time, dying from hepatitis C.  This was something that Dr. Mokotoff, a cardiologist, became quite familiar with because, sadly, his wife passed away from the condition.

However, buried in the doctor’s words and the manner in which he seems to relate to disability is evidence that he does not understand that the SSDI and SSI systems are not just for people suffering from end-stage diseases. He goes on to say that he has seen many people awarded benefits who appeared to be healthy middle-aged individuals seemingly capable of holding down jobs. As well he should. Many people with cardiac conditions do not visibly appear to have a heart problem, but it is highly likely that the doctor encountered at least one patient that was awarded benefits who did not appear to be on death’s door at the time of the award, and whom the doctor would have agreed deserved the benefits.

Lack of understanding of the disability process or its qualification criteria is probably one of the most common issues advocates face when trying to work with doctors. While they are free to express their opinions, doctors like Dr. Mokotoff might not have considered the AMA’s stance that, “It is important that [doctors] understand and feel comfortable with the implications of diagnoses and other professional actions that have wider repercussions, particularly legal ones, for their patients.”

Overcoming erroneous negative comments or opinions expressed by medical professionals in your disability case is another way in which a skilled advocate can help you win your case.

If you would like to learn more about how advocates and doctors interact or are interested in disability services please contact us today.

Welcome to Omega Disability, LLC

Omega Disability

Welcome to Omega Disability, LLC. Omega is a Social Security Disability advocacy group aimed at providing quality representation and advocacy to claimants who are interested in seeking benefits from the Social Security Administration. The company is going to open its doors Monday, January 4, 2016. However, if you are interested in seeking representation please utilize our contact form and a member of Omega Disability’s staff will quickly respond to your request.

We look forward to providing you the representation that you deserve.