This Article is About
disability work incentives
security disability insurance
social security disability
social security disability insurance
work history
9 months
social security
part time
full time
earnings
Social Security Disability Work Incentives - Ssdi
Join 1000's of Authors at StreetArticles Today!

Social Security Disability Insurance is a program for people who can no longer work full time due to their health, but who have paid into the system through previous work history. On average, the monthly benefit is $1000, but can go as high as $2300.

The big question most people have is "Can I try to go back to work without losing my benefits?". The answer is yes.....but you must follow certain guidelines. Social Security actually wants you to try and work, and they will pay you (literally) to do it. The key is to report your employment status and earnings on a regular basis.

The first incentive is called a Trial Work Period. This means pretty much what it says. You can work and earn as much as you can command for 9 months. The 9 months is counted over a rolling 5-year period. So, if you get a job, or start a business, and earn over $700 in a given month, that month counts toward the 9 month cumulative figure. Once you have "started the clock", so to speak, Social Security will examine your work efforts for the next 5 years.

As soon as you have accumulated 9 months within that 5-year period, you enter what's termed an Extended Period of Eligibility. Social Security will pay you benefits for an additional 3 months. Then, in any month in which you earn over $1000 gross, you are ineligible for benefits.

You are entitled to benefits for any month in which you earn under $1000. So, obviously, the idea is to work part-time, unless you feel you can work full time and are offered that type of employment. This Extended Period of Eligibility lasts for 36 months.

Once your Extended Period of Eligibility has expired, and if you are working above the income threshold, you enter an Expedited Reinstatement period. This lasts 5 years. During this time, if your health suddenly prevents you from working, you simply contact Social Security and tell them about your status. They will extend 6 months of benefits to you while they determine if you are once again disabled. You are not required to repay these benefits if they deem you not disabled.

So, here it is in summary form:

Once approved for disability.......

1st 9 months of work above $700 in earnings (within a 5-year rolling period) - Full SSDI benefits

Beginning in Month 10 and over $700 in earnings - Benefits in Months 10, 11, and 12

Beginning in Month 13, Extended Period of Eligibility - Full SSDI in any month where earnings are below the income threshold ($1010 monthly in 2012). This lasts for 36 months.

Beginning in Month 48, Expedited Reinstatement Period - 6 months of SSDI extended to you if you stop working above the income threshold due to your health. No repayment required if you are found not disabled. This period lasts 60 months.

In summary, then, your SSDI benefits are protected for almost 10 years while you test your ability to work. Not a bad deal, is it?

Til next time,

Scott


Street Talk

No comments present
You May Also Like
Social Security Disability Work Incentives - SSI
Hello again! In this article, I want to discuss a subject that is the source of much confusion. Namely, can you work and still collect Social Security Disability? The answer, simply, is yes.......but you must follow some specific guidelines. I will address work incentives for the SSI program here, and…
By:  in  Health and Fitness  >  Disability   Jun 08, 2012  
3
  Likes: 0

Do I Qualify for Social Security Disability Benefits?
As a disability advocate and speaker, I am often asked about qualifying for Social Security Disability Benefits. The government makes it sound very complex (as it does with many things!), when it really is not. First, please understand that Social Security Disability is actually comprised of two distinct programs: Social…
By:  in  Health and Fitness  >  Disability   Jun 04, 2012  
0
  Likes: 0

Start A Home Based Business And Still Collect Social Security Disability
Being on Social Security Disability can be frustrating for anyone that was used to drawing a good paycheck from their job before the incident that caused the disability. With the sudden decrease in earnings, as most Disability checks are not near what your income was before you became disabled, it…
By: Marla Overton in  Home Based Business   May 18, 2011  
5
  Likes: 11

Applying for Social Security Disability - The Activities Of Daily Living Questionnaire
Hello again! In this article, I will address a commonly-confused aspect of the Social Security Disability application process: the Activities of Daily Living questionnaire. Once you have submitted your claim, and Social Security has verified the information, you will sent a very-detailed questionnaire. Essentially, this is designed to help Social…
By:  in  Health and Fitness  >  Disability   Jun 19, 2012  
2
  Likes: 4

Social Security Disability Appeals - The Hearing Stage
On average, Social Security disability examiners deny 66% of the initial applications they review. The reasons for this high denial rate are the subject of another article. In this article, I will discuss the appeals process, and specifically, the "hearing" stage. Some states have a "reconsideration" stage before a claim…
By:  in  Health and Fitness  >  Disability   Jun 12, 2012  
0
  Likes: 0

Getting Approved for Social Security Disability - Do I Need A Lawyer?
Greetings again! One of the most common questions applicants have is whether or not they need a lawyer to win. The answer is maybe.....but maybe not. Initial applications for disability benefits are denied at a staggering 66% rate nationwide. Only about a third of claimants get approved on the first…
By:  in  Health and Fitness  >  Disability   Jun 05, 2012  
0
  Likes: 0

Social Security Disability - The Initial Application
Greetings again! The initial application process for Social Security Disability appears straightforward, but there are some tips you can use to make the application stronger from the get-go. First, if you have a physical impairment, and have the ability to do so, apply in person at your local Social Security…
By:  in  Health and Fitness  >  Disability   Jun 13, 2012  
0
  Likes: 0

Exertional Versus Non - Exertional Impairments And Social Security Disability
Hello again! In a previous article, I discussed the general requirements for qualifying for Social Security Disability. I mentioned the work history factor, as well as the legal definition of disability. I then simplified that definition. Here, I will talk about "exertional" versus "non-exertional" impairments and how they impact whether…
By:  in  Health and Fitness  >  Disability   Jun 04, 2012  
0
  Likes: 0

The Ticks Of Politics
Our political arena could benefit with a massive research into finding a way to control its recent influx of tics. Two namely tics are; poli-tics and luni-tics, they're destroying our government and its professional operation that we used to be accustomed to. Some might blame this awful epidemic of tics…
By: Joy Stata in  Politics  >  World Politics   Aug 25, 2011  
1
  Likes: 2

Social Security Disability Work Incentives - SSI
Hello again! In this article, I want to discuss a subject that is the source of much confusion. Namely, can you work and still collect Social Security Disability? The answer, simply, is yes.......but you must follow some specific guidelines. I will address work incentives for the SSI program here, and…
By:  in  Health and Fitness  >  Disability   Jun 08, 2012  
3
  Likes: 0

Social Security Disability Benefits - Doctor's Support
Hello again! This article will examine what is really meant by "doctor's support" when it comes to getting approved for Social Security Disability. On the initial application, you will be asked for a list of doctors treating you. Of course, you will want to approach each of them to see…
By:  in  Health and Fitness  >  Disability   Jun 19, 2012  
0
  Likes: 1

Working at Home With $100 In Free Tools, Features, Services
Starting an Internet Home Based Business from home can be very challenging and give you lots of headaches if you don't know where to begin or where to get information that is helpful to get you started. I know that because I spent weeks and months looking for a way…
By: Marla Overton in  Home Based Business  >  Network Marketing   May 10, 2011  
0
  Likes: 0

Worlds Strongest Man
The very first day I met this man was the day that I was born, though I didn’t know him or his abilities at the time. I soon found these out later on in my life. Everything was a normal way of life, till I was about 13 years old.…
By: Jenna in  Home and Family  >  Fatherhood   Aug 02, 2011  
1
  Likes: 2

Do I Qualify for Social Security Disability Benefits?
As a disability advocate and speaker, I am often asked about qualifying for Social Security Disability Benefits. The government makes it sound very complex (as it does with many things!), when it really is not. First, please understand that Social Security Disability is actually comprised of two distinct programs: Social…
By:  in  Health and Fitness  >  Disability   Jun 04, 2012  
0
  Likes: 0

Do I Qualify for Social Security Disability Benefits?
As a disability advocate and speaker, I am often asked about qualifying for Social Security Disability Benefits. The government makes it sound very complex (as it does with many things!), when it really is not. First, please understand that Social Security Disability is actually comprised of two distinct programs: Social…
By:  in  Health and Fitness  >  Disability   Jun 04, 2012  
0
  Likes: 0

Article Views: 1536    Report this Article