If you are working and earning benefits, it is important to be aware of the SSI earnings limits. If you earn more than the SSI earnings limit, you may lose some or all of your benefits. This loss can be permanent regardless of any remaining disability. Often, once a person is deemed no longer eligible, they are removed from eligibility forever.
Here are some tips for working and earning while on SSI:
- Be aware of the SSI earnings limits.
- Develop a plan to work and earn without losing your benefits. Working with an advisor familiar with these limits and restrictions can be a big help.
- Work with an advocacy coach to help you understand the SSI earnings limits and how they affect your benefits. An Advocacy coach can also help notify you of upcoming changes to programs and filing deadlines.
- Keep track of your earnings and report them to Social Security Administration (SSA) as required.
- If you have questions about SSI earnings limits, contact SSA.
Working and earning while on SSI can be a challenge, but it is possible and is often very beneficial. The ability to work provides valuable social interaction and community participation which is good for the mental health of most individuals. Working adults also benefit from the responsibilities and expectations work provides. By working with an advocacy coach and following the tips above, you may avoid the pitfalls of working/earning too much to qualify for benefits.
Here are some additional tips for working and earning while on SSI:
- Choose a job that is compatible with your ability, will not be difficult to commute to and from, and will provide enough stimulation and responsibility without jeopardizing benefits.
- Some people prefer jobs that have flexible hours so attendance to medical appointments or time off when needed is not a problem. Part time work can be appropriate for as well.
- Do not be shy about asking for accommodations from employers, such as a modified work schedule or a quiet workspace.
- Support groups for people with disabilities who are working can also be helpful.
- Seek professional help from a therapist or counselor if you are struggling to cope with the stress of working while on SSI.
Remember, you are not alone. There are many people with disabilities who are working and earning. With the right support, people with disabilities can achieve life goals and live a fulfilling life.