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Other Income & Gifts

Certain types of income and gifts you receive may affect your Social Security disability benefits. Whether your benefits will be impacted depends upon the type and amount of the income, as well as the type of Social Security disability benefit you receive.

If you are unsure whether your income or certain gifts are going to impact your benefits, the best thing you can do is to call qualified Social Security disability attorneys. They can review your situation and let you know what needs to be done to ensure your benefits are protected.

Below we briefly review how other income and gifts can affect both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits. Having some basic information can help you understand if your disability benefits may be at risk.

SSI & Income, Other Benefits and Assets

SSI is a need-based program, so the amount of income and gifts you receive and your assets will impact your eligibility. If you have more than $2,000 in resources ($3,000 per couple), you will not be eligible for SSI. Note, some items don’t count towards your resource limit, such as your home, car and wedding ring. An attorney can review what does and doesn’t count toward your resource limit to ensure you are within the established parameters. If you aren’t, the Social Security disability lawyers can also provide advice about your options.

Income from substantial gainful activity and certain types of unearned income might reduce your SSI benefit or disqualify you. The Social Security Administration (SSA) will take the following types of income into account when determining your SSI eligibility:

  • Cash,
  • Gifts,
  • Earned interest from a bank account,
  • Lottery winnings,
  • Workers’ compensation,
  • Pension, and
  • Your spouse’s income.

Certain types of gifts or benefits are exempt from affecting your SSI benefits, however. When determining your monthly income, the SSA will exclude financial aid, educational gifts, scholarships, grants and the first $20 of income you earn each month.

It is easy to become confused regarding all the income requirements associated with receiving Social Security disability benefits. If you fail to report income, this could have your benefits taken away permanently. To ensure you abide by the regulations in place and to ensure you can continue receiving the benefits you need, let our Social Security disability attorneys help. Our team understands the laws and can help ensure your benefits are protected.

SSDI & Income, Other Benefits and Assets

Unlike SSI, SSDI is not based on need. Therefore, your assets and resources do not affect your benefit. The income you receive from private resources, including your private pension and private insurance benefits will not affect your eligibility either.

However, any public disability insurance benefit that has been covered by a local, state or federal government for a disabling medical issue that is not related to your injury, as well as benefits paid by workers’ compensation will affect your SSDI. Examples of public disability payments that will impact your disability benefit include the following:

  • Civil service disability benefits;
  • State temporary disability benefits; and
  • Local or state government benefits for retirement, which are based on disability.

To remain eligible for SSDI while receiving any other type of public disability benefits, including workers compensation, the total sum of all these benefits is not allowed to be more than 80 percent of the earnings you received prior to the disability, according to the SSA.

Disability eligibility is complex. There is no need to try and navigate these confusing and complicated processes alone. If you want to ensure your income, gifts and other factors aren’t going to impact your ability to receive disability benefits, you need to contact us. We can review the facts of your case to ensure you are protected.

Protecting your benefits is as easy as picking up the phone and giving us a call. We are here to provide you with peace of mind.

The SSA has complex rules for determining eligibility and calculating income. For questions regarding your benefits or help with your claim, call a disability attorney at Chad Brown Law in Winston-Salem. Contact us at (800) 556-9115 for a free consultation.

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