How will my income affect my disability benefits?
In California, the Social Security Administration (SSA) assesses your income as part of the disability planning law. If you have any income from employment or other sources, such as investments, it can affect the amount of benefits you are eligible for. The SSA considers both earned and unearned income when determining your eligibility. If you are working and earning income while collecting disability benefits, the SSA will use the Substantial Gainful Activity (SGA) limit to determine if your income is too high to continue receiving benefits. If your monthly income is greater than the SGA limit, your disability benefits will be terminated. If you are receiving disability benefits, the SSA will also look at the amount of money you make from other sources, such as investments, alimony, or disability insurance. If the total amount of your unearned income is more than the allowable limit, your disability benefits will be reduced until the total amount of your income is equal to the SGA limit. It is important to be aware of the SGA limit and how it can affect your income when considering disability benefits. If your income exceeds the SGA limit, you should talk with a qualified disability planner or a Social Security representative to determine how your income and benefits will be affected.
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