COVID-19 Update: Hire Us from the Comfort of Your Own Home Details here

Working While Receiving Social Security Disability Benefits

April 25, 2012 by The Sawaya Law Firm

I am receiving Social Security disability benefits. Will I lose my benefits if I work and earn money? How will it affect my claim?

Special rules make it possible for people receiving Social Security disability benefits to work and still receive monthly payments.

A trial work period allows you to test your ability to work for at least nine months. During your trial work period, you will receive your full Social Security benefits regardless of how much you are earning as long as you report your work activity and you continue to have a disabling impairment. In 2012, a trial work month is any month in which your total earnings are over $720, or if you are self-employed, you earn more than $720 (after expenses) or work more than 80 hours in your own business. The trial work period continues until you have worked nine months within a 60-month period.

After your trial work period, you have 36 months during which you can work and still receive benefits for any month your earnings are not “substantial.” In 2012, we generally consider earnings over $1,010/month ($1,690/month if you are blind) to be substantial. No new application or disability decision is needed for you to receive a Social Security disability benefit during this period.

How work affects Social Security retirement payments

How much can I earn while receiving Social Security retirement benefits?

A beneficiary under the full retirement age:

  • Can earn $14,640 a year and not lose any benefits in 2012.
  • We will deduct $1 in benefits for every $2 earned above $14,640.

A beneficiary reaching full retirement age:

  • Can earn $38,880 a year and not lose any benefits in 2012.
  • We will deduct $1 for every $3 earned above $38,880.

The same earnings limits apply to a child or spouse who works and receives benefits on your record.

The Sawaya Law Firm is Denver’s personal injury law firm. With over 40 years of experience and a compassionate team prepared to listen to your story, The Sawaya Law Firm is here to help. Contact us anytime.

Denver Law Office

1600 Ogden Street
Denver, CO 80218
United States (US)
Phone: 303-466-3529

Get Directions

Denver (Emerson) Law Office

1644 Emerson St.
Denver, CO 80232
United States (US)
Phone: 720-410-9528

Get Directions

Denver (Sheridan) Law Office

1238 S. Sheridan
Denver, CO 80232
United States (US)
Phone: 303-377-2665

Get Directions

Greeley Law Office

926 8th Avenue
Greeley, CO 80631
United States (US)
Phone: 970-372-0834

Get Directions

Colorado Springs Law Office

1304 North Academy Boulevard
Suite 106,
Colorado Springs, CO 80909
United States (US)
Phone: 719-888-4887

Get Directions