Can you add Social Security disability benefits to your Social Security retirement benefits? What about if you are already disabled and are approaching retirement age. Will you still receive Social Security disability benefits?
I was recently asked if you can keep (or do you have to return) a Social Security check for the month someone dies. Take a moment to lock in what you think. Then, let’s take a look at the answer straight from Social Security: Continue reading Can you keep the Social Security check for the month someone dies?
Even though you cannot receive Social Security benefits during incarceration, can you get disability if you are out of jail or prison and residing in a half-way house?
Under the Social Security regulations, the answer is “no.”
“I was transferred from prison to a halfway house that is under the control of my state’s Department of Corrections. Can I have my benefits started again since I am no longer in prison?”
No. Social Security will not pay benefits while you reside in any facility under the authority of your state’s Department of Corrections. Even though you are no longer in prison, you are still under the control and custody of your state’s Department of Corrections until you complete your court-ordered sentence and you are officially released, or until the Department of Corrections places you on parole.
Click here for more information.
After you are released from jail or prison, will Social Security let you restart your benefits or will you have to start a new application?
The answer depends on the kind of benefits you received (Social Security Disability Insurance – SSDI, or Supplemental Security Income – SSI) and how long you were incarcerated in jail or prison.
Restarting SSI after incarceration: Continue reading Starting Social Security disability benefits after incarceration
Many people wonder what will happen after they are approved for Social Security disability benefits?
Will my benefits be stopped?
Will I continue to get Social Security disability benefits for the rest of my life?
Except for closed period cases, Social Security disability benefits normally can continue for an indefinite period of time. An individual may be able to receive benefit for the rest of his or her life.
Of course, this assumes that the impairments continue to be disabling (and any other non-medical requirements continue to be met).
Here is the catch: Continue reading Are Social Security disability benefits forever?
It can be very difficult to get by on the small amount of Supplemental Security Income (SSI) pays. Many individuals are forced to borrow money from friends or family just to make ends meet. But, how can this negatively affect SSI eligibility? Continue reading How does borrowing money affect Social Security Supplemental Security Income SSI disability benefits
This is a particularly tough question. I previously wrote about how earning more than the Substantial Gainful Activity amount may cause your benefits to be stopped in Social Security Disability Insurance cases.
In SSI cases, I just learned that you can earn more than the SGA amount and still keep your SSI benefits.
WARNING: I do not pretend to be a understand SSI benefits calculations. I strongly encourage anyone reading this to check this information with Social Security. Also, any Social Security technicians are more than welcome correct any errors I may make here.
To figure out how much you can earn, I need to introduce the 20-65-1/2 rule. This rule helps us determine the “countable earned income.”
If you are working, and receiving both Social Security Disability Insurance (SSDI, DIB) as well as Supplemental Security Income (SSI).
- Subtract $20 from SSDI amount.
- Subtract $65 from he amount you earn (before taxes or any deductions) then divide by 2.
- Add the two amounts together
In other words: (SSDI – $20) + (gross income – $65) / 2 = countable earned income.
Let’s do an example
If you are getting $100 from SSDI and earn $150,
($100 – $20) + (($150 – $65) / 2)
$80 + ($85 / 2)
$80 + $43 (we rounded up)
Now, you take the SSI benefit amount and subtract the number we just got.
If you were getting $637 in SSI, you subtract the $123, which equals $551. This is the amount you will still get in SSI benefits.
If you are receiving SSI and also working, you would use this formula
((gross income – (65 + $20)) / 2
Note: the $20 is the unearned income disregard previously subtracted from the SSDI amount
(gross income – $85) /2
Using the amount from the previous example:
($150 – $85) / 2
($65) / 2
Social Security will subtract the $33 from the current SSI benefit amount. So, even though you earn $150, Social Security will only reduce your SSI benefits by $33.
Based on this formula, in 2009, you can earn just around $1,400 and still qualify for SSI benefits. But, please, if you find yourself in the situation really having to know how much you can make and still keep your Social Security SSI benefits, speak to Social Security.
Note: if you were reveiving both SSDI and SSI, the $1,400 in income will probably make you lose your SSDI. So, keep in mind the exceptions I discussed in my earlier article. Many of them apply in SSI cases as well.
My thanks to Peter Komlos-Hrobsky, Supervising Attorney of the Health/Elder Unit of Colorado Legal Aid in Denver for bringing this to my attention.
A quickie article answering a common question: can you garnish Social Security disability benefits for child support?
Title 2 Disability Insurance (aka SSDI or DIB) benefits can be garnished for child support.
However, Title 16 Supplemental Security Income (aka SSI) benefits cannot be garnished.
This is general information only and not legal advice. Contact a lawyer for advice on your specific circumstances.
I recently wrote about receiving both Social Security Disability Insurance (SSDI or DIB) and Supplemental Security Income (SSI) benefits. Let’s look at the advantages of being on both benefits programs.
I recently wrote about the difference between Social Security disability insurance (SSDI) and Supplemental Security Income (SSI).
But, can you get both: SSI and SSDI?
Depending on your circumstances, yes.
The maximum you can receive on SSI is based on the annual Federal Benefit Rate (FBR). For 2014, the FBR is $721. That mean the most you can receive on SSI in $721 per month.
Disability Insurance Benefits are based on your payroll contribution to Social Security. The more you have paid into Social Security, the more in monthly benefits you may be entitled to.
The only way to get both SSDI and SSI is for your SSDI benefits to be less than the Federal Benefit Rate (FBR).
If that happens, and you qualify financially for SSI, you can also get Supplemental Security Income to pay up to the Federal Benefit rate.
I realize this may sound like a bunch of legalistic gobbledygook. So, here is a quick example:
Let’s say you only qualify for $500 per month in Social Security disability insurance benefits.
SSI may pay you an additional $221 to bring your total monthly benefits up to the Federal Benefit rate.
Extra credit point: Actually, you get an extra $20 because of an offset, bringing the maximum you can get up to $241.
However, if you get $800 from SSDI, you will probably get nothing from SSI, because you already are receiving more than the $721 Federal Benefit Rate in SSDI.