Need to Work? But, Need Social Security Disability?

December 13, 2018

The logic with the Social Security disability system is actually in reverse. The Social Security Administration (SSA) actually wants you to stop working and THEN file for disability benefits, rather than award them and allow the claimant to then stop working.

 

This is illogical.

 

Here's why. People who need to be on disability benefits are usually trying to work through their mental or physical impairments and are suffering at work. If SSA would then approve benefits first so they could stop working, then most would not be financially devastated by their impairment(s). As it stands, a person must stop working (at least full-time) before he or she would possibly qualify for benefits.

 

But, many often ask: Can I still work and receive benefits or can I still work while I am filing for disability? -And, the answer is yes.

 

First, you can work and request or receive disability benefits. However, you must know your limit before doing so. Each year, SSA sets a limit on how much a person can earn and receive benefits. As of 2018, this amount is $1,180.00 per month.

 

Now, what you really have to know is this amount is GROSS, not net. Meaning, before any taxes, child support, etc. is taken from a person's check, SSA will look at that amount. If a person goes over, then he or she is engaging in what is called Substantial Gainful Activity (SGA), and it then bars a person from receiving disability benefits. Bottom line, just don't go over that amount.

 

Now, many also ask: Will working hurt my case while attempting to receive benefits? For me, the answer lies in how old that person is. For those over the age of 50, I really don't think the working hurts their case all that much. If you're under 50, I would advise not working at all if you can. The reason for this is that as people age, the rules that determine disability actually favor the claimant. SSA recognizes that there are barriers to a person being hired as he or she gets older.

 

We help claimants throughout Texas and Oklahoma seeking their Social Security disability benefits. If you've been denied or need help filing, feel free to contact our office at: (888) 780-9125.

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