Frequently Asked Questions (FAQ)
Do I continue to receive benefit payments from Social Security if I return to work?
Yes! To qualify for continued payments under ‘Section 301’: You must be participating in an appropriate program of the VR or similar services that began before your disability ends under our rules; and We must review your program and decide that your continued participation in the program will increase the likelihood of your permanent removal from the disability benefit rolls. (Social Security Administration, The Red Book 2018)
How long will my benefits continue after I start working?
Your monthly benefit check(s) and medical benefits continue during the Trial Work Period (TWP) or 9 months plus 3 months of “Grace Period”, or 12 months. You can receive benefits during Trial Work Period (Earnings up to $880.00/month) + 3 months above Substantial Gainful Activity (SGA = Earnings above $1220.00/month).
How can my benefits become reinstated if I begin working, and I discover I'm unable to continue working?
You can request “Expedited Reinstatement (EXR). The SSA Red Book states, “If your cash payments ended because of your work and earnings, and you stop work within 5 years of when your benefits ended, you may be able to have your benefits started again right away through a request for EXR.” ((Social Security Administration, The Red Book 2018)
Do I continue to receive Medicare once I begin working?
Most persons with disabilities who work will continue to receive at least 93 consecutive months of Hospital Insurance (Part A); Supplemental Medical Insurance (Part B), if enrolled; and Prescription Drug coverage (Part D), if enrolled, after the 9-month Trial Work Period (TWP). You do not pay a premium for Part A. Although cash benefits may cease due to work, you have the assurance of continued health insurance. (93 months is 7 years and 9 months).” (Social Security Administration, The Red Book 2018)
The details of how your benefits may be affected are complex and vary depending on which state or territory you live in. Generally speaking, for every $2.00 you earn in a job, SSA will subtract $1.00 from you monthly SSI check ($2 for $1 split).
For example, if you earn $771.00 per month on SSI, and you earn $1000.00 per month in a job then SSA will subtract $500.00 from your SSI check ($2 for $1 split), and you will receive $271 monthly on SSI.
Your Medicaid eligibility is affected by your income and varies depending on the state or territory you live in.