“Can I work part-time without losing my disability benefits?” In my experience as a Detroit disability lawyer, I have been asked this question many times. The short answer is, “Yes.” A more complete answer is, “Yes, with certain limitations, depending on whether you are receiving Supplemental Security Income (SSI) benefits or Social Security Disability Insurance (SSDI) benefits.”
If you are receiving SSI, the first $65 you earn working part-time is all yours. After that first $65 (or $85 if you have no other income), your disability benefits will be reduced by $1 for every $2 you earn. Thus, it is possible to earn so much in part-time wages that your SSI benefits cease entirely. After a year of receiving no benefits, you will have to file a new application for benefits with the Social Security Administration. If, however, the disruption in your SSI benefits due to your earnings lasts for less than one year, then the Social Security Administration will simply restart your benefits if your earnings go down.
If you are receiving SSDI, then you may earn part-time wages up to the “substantial gainful activity” amount, without any disruption or reduction in your benefits. The Social Security Administration establishes the “substantial gainful activity amount.” In 2010, for example, it was $1,000 per month in gross income. This amount is an absolute cut-off. If you earn even $1 more than the limit, your benefits will cease after you have used up your 9-month trial work period. As a practical matter, I suggest you keep your earnings well below the substantial gainful activity amount, so that you can continue to receive your full Social Security disability benefits while you work part-time.
Work Issues That Could Jeopardize Your Disability Claim
When you file your insurance claim, you may not be aware that there are many ways that you can convince the insurance company of the validity of your claim. If the insurance company is suspicious of your claim, it is likely that it will take longer to be resolved. Watch this video for inside tips. If you have further questions please contact a Detroit Disability lawyer.
Contact A Detroit Disability Lawyer
If you have questions about part-time work, and you would like to speak to an experienced Detroit disability lawyer at the Law Offices of Marc Shefman call 888-282-0719 for a free consultation now!