Will I lose my benefits if I start working?

People on Social Security benefits can increase their monthly income by working vs. just receiving a monthly Social Security check. You're benefits will typically be affected, but you will also have your additional employment income. Talk to your Social Security Administration representative to find out how much your benefits will be affected. 

Why work if my benefits will be effected?

Employment will give you more financial independence and improve your self-esteem. You will always come out ahead. The majority of people on social security benefits who are working, actually have more money available to them.  Although their benefits are reduced, they also have a paycheck coming in to offset that decrease and add to their income.  

Studies confirm that employment is associated with a better quality of life and well-being for people with various disabilities.(Chapin & Holber, 2010) Consumers with mental health disabilities who obtained employment indicated that they are better off financially, have improved access to social relationships and have noticeable improvements in their mental health." (Hoare & Machin, 2010)

Will I lose my Medicare/MediCal?

Social Security Work Incentives allow you to keep your Medicare/Medi-Cal while working part-time or full-time.

How will my benefits be effected?

Each person’s benefits are different.  Staff at your local Social Security office will meet with you individually to help you figure out how your benefits will change when you start working. 

What are work incentives?

When you start working you have over eight years of Work Incentives that allow Social Security to reinstate your benefits right away, if you loose your job or have your work hours reduced.

How much can I earn before my benefits check is effected?

If you are on Social Security Disability Insurance (SSDI), in 2010 you can earn up to $1000 a month and still receive the full amount in your SSDI check.

If you are on Supplemental Security Income (SSI), in 2010 you can earn up to $1899 a month and still be eligible for the Social Security program.

Even if you are earning too much income and your Social Security check stops, you can still be enrolled in the Social Security program.

The Ticket to Work Program can allow you to earn a substantial income and still remain in the Social Security program.

How will Social Security know how much I am earning?

Always let Social Security know when you begin or stop working, and report your income to Social Security every month.

It is crucial to maintain regular communication with Social Security when you are working so you can manage your income and Social Security Benefits check.

The staff at your local Social Security office are willing to help you navigate working and maintaining your Social Security check, use them as a resource so you can benefit from the Work Incentives that are available.