Disability Benefits and Income Considerations

Overview of Social Security Disability Programs

Explanation of the two primary Social Security Administration (SSA) disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Describes eligibility requirements, funding sources, and general purposes of each program.

Social Security Disability Insurance (SSDI)

Details regarding SSDI benefits, eligibility criteria based on work history and contributions to Social Security, and the calculation of monthly benefit amounts. Discusses the definition of "disability" according to the SSA for SSDI purposes.

Supplemental Security Income (SSI)

Explanation of SSI as a needs-based program providing financial assistance to aged, blind, and disabled individuals with limited income and resources. Covers eligibility requirements based on financial need and disability status. Discusses resources that are counted versus those that are excluded when determining eligibility.

Impact of Earnings on SSDI Benefits

Information on the concept of "Substantial Gainful Activity" (SGA) as defined by the SSA and its impact on SSDI eligibility. Explains the Trial Work Period (TWP) and Extended Period of Eligibility (EPE) provisions designed to encourage beneficiaries to attempt work without immediately losing benefits. Details regarding the SGA amount, as updated annually by the SSA.

Impact of Earnings on SSI Benefits

Explanation of how earned and unearned income affect SSI benefit amounts. Details the SSI income exclusions, including the general income exclusion and earned income exclusion. Describes the calculation of countable income and its effect on the monthly SSI payment.

Reporting Responsibilities

Discussion of the beneficiary's responsibility to report earnings and changes in circumstances to the SSA promptly. Explains the potential consequences of failing to report income accurately or in a timely manner.

Work Incentives and Support Services

Overview of various SSA work incentives, such as Plan to Achieve Self-Support (PASS), Impairment-Related Work Expenses (IRWE), and Ticket to Work program, designed to help disability beneficiaries return to work. Mentions resources for employment assistance, vocational rehabilitation, and job training.

Redetermination and Continuing Disability Reviews

Explanation of the process by which the SSA periodically reviews disability cases to determine whether beneficiaries continue to meet the eligibility requirements. Describes the focus of these reviews on medical improvement and ability to engage in substantial gainful activity.