How Does Working Affect My Disability Check?

Artwork: Robin Mead

Before reading this page, please take a moment to consider if you are on SSI or SSDI.

If you are on SSDI, your check will not be reduced and you do not have to worry about the financial regulations on this page. But you do still have to worry about medical reviews, so please read this instead.

If you are on SSI, working may cause your disability check to go down. So, yes, you really want to read this page!

If you are on both SSI and SSDI, working may cause the SSI part of your check to go down. The SSDI will not change.

If you are not sure if you are on SSI or SSDI, you can call and ask or see what is written in notices or your online account. Learn more here: How to Understand the Difference Between SSI and SSDI Without Making Your Head Explode

How Will My SSI Check Change?

If you are on SSI, you can earn $65 per month without affecting your check. If you earn more than that, see below to learn what happens. After that your check will usually be lowered by $1 for every $2 you earn. There are a few exceptions:

💮 For SSI, certain types of work income is exempt. Your check will not be lowered if you have a PASS plan or some IDA plans.

💮 Working as a personal attendant in a medicaid waiver program is also exempt and will not affect your check.

💮 If you are self-employed or own a small business. They will consider your income after your business expenses. In some cases, this means your check will not be lowered.

💮 If you are on SSI, and you start earning income, it is likely that at some point Social Security is going to make a mistake, pay you too much money, and then want some money back. This has happened to nearly everyone I have ever met who was on SSI and started working, but you do have some options. Learn more: How Sandra Got Her Overpayments Waived


How to Handle Disability Reviews While Working

How to Work Without (Too Much) Trouble


Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s