DISABILILTY WHILE WORKING PART-TIME

Discussion in 'Fibromyalgia Main Forum' started by meditationlotus, Sep 13, 2005.

  1. meditationlotus

    meditationlotus New Member

    Has anyone received disability while working part-time?. I'm caught in a catch 22. I substitute teach on the days that I am up to it, but I can't work enought to support myself.

    How can I convince the SS. that I am disabled? It is impossible for me not to work at all.

    I have CFS, PTSD, Asthma, neurally-mediated hypotension, Sleep Apnea - I cannot use CPAP (IT HELPS FOR A COUPLE OF DAYS AND THEN I GET A RESPIRATORY INFECTION. IT HAPPENS EVERY TIME), allergies, insomnia, depression, anxiety, poor concentration, short-term memory problems.

    I have probably left some things out. Can't remember everything that is wrong with me.

    Thanks for any advice you can give.
  2. orachel

    orachel New Member

    Great question! I can't work now, but I'd love to get back at least to part time something (just to escape my house!)as soon as possible. But I know job won't be anywhere near what I earned before. I think there's something about SSD finding you a % disabled (from 10% to 100%), so I'm sure that affects it. Plus, I know from dealing with disabled clients for years (I used to sell mortgages) that you can earn up to like $800 per month without interfering with your SSD benefits, I think. But, then again, in order to even be considered for SSD benefits I believe a doctor has to state that you will be unable to work ANY job for at least one year, so maybe you couldn't work at all while fighting for benefits...I'm just not sure. But will check this post back bc I'm interested to see what others say. Also, hunt a bit for law firm specializing in SSD on net. Call one of them and they'll tell you all abt it. That's how I know the basic standard (no work at all possible for 1 yr or more) because a lawfirm answered my question.
    Good luck!
    Rachel
  3. orachel

    orachel New Member

    We seem to have almost the same probs. I've got FM, PTSD, allergies, small bronchial tubes (like asthma), allergies, insomnia, restless leg, some sleep disorder (they don't know what yet), and depression and cognitive issues. I guess once you get stuck with the FM or CFS, most of the other stuff follows suit. Sheesh. Remember when you were strong and healthy? I miss that!!! lol
  4. pywacket

    pywacket New Member

    i think it's you can't work for 1 year. then it's you can't have gainful enployment.at one part on the ss websit it says $800 on another it states $500. so be careful.
    lisa
    here is what the ss website has.
    Question
    I am receiving Social Security disability benefits. Will my benefits be affected if I work and earn money?


    Answer
    We have special rules called "work incentives" that help you keep your cash benefits and Medicare while you test your ability to work. For example, there is a trial work period during which you can receive full benefits regardless of how much you earn, as long as you report your work activity and continue to have a disabling impairment. The trial work period continues until you accumulate nine months (not necessarily consecutive) in which you perform what we call "services" within a rolling 60-month period. We consider your work to be "services" if you earn more than $590 a month in 2005. For 2004, this amount was $580. After the trial work period ends, your benefits will stop for months your earnings are at a level we consider "substantial," currently $830 in 2005. For 2004, this amount was $810. Different amounts apply to people who are disabled because of blindness.

    you still have to be off work to get it. the can go back after but not substantail. hope this helps[This Message was Edited on 09/18/2005]
  5. suzetal

    suzetal New Member

    You can not be able to work at any job for 1 full yr.In order to apply.

    After you start getting ss .You may qualify for part time up to 700.00 a month.

    Hope this helps.
    Sue
  6. meditationlotus

    meditationlotus New Member

    Sue,

    Have you applied? Did you find this out from your attorney?

    I can't believe the cracks they have created. By refusing to address those of us in my position, they are setting us up for financial ruin, which will in turn only worsen the economy, as I know I am having to rely heavily on credit cards. I use one credit card to pay another credit card.
    I'm sure that this is true for many of us.

    Why not help us out at the beginning, then we don't have to become bankrupt or worse.

    I just don't understand.

    Thanks for telling me Sue.
  7. suzetal

    suzetal New Member

    My attorney told me this a long time ago.

    I have not worked in 2 yrs .I do get LTD from the co. I worked for. This is not counted as income for it will end in 2007.

    Some think your husbands income counts against you. Well it does not.

    What you will get from SS is what you put in.You can go to there web sight and ask for your status on how much you will make from it and also what your retirement will be.

    I will only get 698.00 a month if I win my case.Its not much .

    Sue
  8. orachel

    orachel New Member

    Just what I needed to know.
  9. Leenerbups

    Leenerbups New Member

    Is the question as to if you can work while applying for it, or if you already have it?
  10. busybeez

    busybeez New Member

    When I went before the judge at my SSDI hearing, I had to prove that I could no longer work at any job like my PREVIOUS jobs, and that there was no other type of related work that I could perform due to my illness and disability. They looked at the jobs I had worked at five years previous to my file date. There was a specialist at my hearing who stated, based upon their research criteria and my doctor's statements, that I could no longer perform a job like my previous jobs, therefore I was entitled to SSDI.

    So, I don't know whether or not you can possibly find a job that is different from your previous work. You can also check the Social Security web site at http://www.socialsecurity.gov for information. Click on the Questions about drop down box, then choose Earnings and Employment. The second question / answer is "how much can I earn and still receive SS benefits?" Click on that. There is a formula explained and displayed. It's interactive at that point so that you can determine, with your own data, how much you can earn and still receive social security income.

    Hope this helps, and good luck. Feel Better Soon!
    [This Message was Edited on 09/13/2005]
  11. busybeez

    busybeez New Member

    Just to let you know, SSDI will also take money for your Medicare benefits out of your monthly check. I did not know this until I looked at my statements because it seemed to have happened automatically - Although, I might have requested it during the paperwork process - I filled out so much paperwork I don't remember everything! The deduction, for me, is around $85 a month. At first I thought it would be better to have the $85, but it has proven better to have the Medicare because it supplements my primary health care plan and covers my co-payments. As to whether or not you can opt out of Medicare, I'm not sure. You can check the SS web site at http://www.socialsecurity.gov and find out.

    If you do end up with Medicare, be careful of the advice people give you at doctor's offices. Since my husband still works and we have medical insurance through his job, Medicare is my SECONDARY insurance. I had a huge mess in the beginning because I had some extensive surgery and the doctor's office filed it all through Medicare as my PRIMARY insurance. WHAT A MESS! I had to have everyone involved in the surgery - doctors, hospitals, labs, etc. - reimburse Medicare, then have my primary insurance company pay everyone back. It took over a year to get straightened out.

  12. dverre

    dverre New Member

    I was told by my lawyer that he only has to prove i can not work full time and I was told by someone is ss that you can earn up to 800 dollars and still collect ssd.

    Hopefully this helps

    dverre
  13. suzetal

    suzetal New Member

    Go to there web sight .It will tell you that they pay monthly benefits if you are unable to work for ONE full yr.

    They do not pay part time benifits .That is also listed.

    Sue
    [This Message was Edited on 09/14/2005]
  14. Leenerbups

    Leenerbups New Member

    I have SSDI. I can work part time, maybe one day a week and not lose my disability?? Is there a cut off date or you can do this for years?

    It would be so wonderful. I misss working on my clients. I am a massage therapist and Reiki Master and being in a session is just as mediative for me as it is for them. It also helps with my depression.

    And since I only get $450, it also helps. It's amazing how they think you canlive off of that.
  15. meditationlotus

    meditationlotus New Member

    So, are you working part-time? What your lawyer said sounds encouraging. Does he think he can win your case?
    Would he take an out-of-state client? I live in Indiana.

    I would like to go to someone who has had a good success rate. It seems that with disability, its three strikes and you are out.

    Thanks Dverre and all of you. I will also visit the websites you guys suggested.
  16. cozykitten

    cozykitten New Member

    I have been pondering the idea of going to an attorney and see what I can find out. Here are my questions: I was told by a person at the SS office that I needed 4 more quarters to apply for SSDI. So if I can't work, how do I get 4 more quarters? And, I know that I'm not the only one who became disabled without having enough work quarters....so what happens to everyone?

    Also, I taught school for 15 years, then became disabled 3 years ago. I was able to get early retirement due to disability, but it is not a big amount, plus I have to pay for the retirees insurance out of it. After insurance, I get $625. a month. Would I still qualify for SSDI?

    I'm confused as to how that works. since I paid in, looks like I would qualify. Any knowledge in this area??
  17. meditationlotus

    meditationlotus New Member

    I would think that you working 15 years as a school teacher would be more than enough to qualify you, and that you would probably get the maximum amount.

    I think that the lady you talked to didn't know what she was talking about.
  18. farida

    farida New Member

    I think if you are working AT ALL when you apply for SSDI or SSI, Social Security determines you as ineligible for benefits. The first hurdle to pass for SSDI/SSI is: Is the applicant working? If so, then denied.

    And, yes, you can work while on benefits AFTER you have received a positive determination for SSDI/SSI, i.e., you are currently on benefits. Social Security calls these "work incentives". For SSDI beneficiaries, they can make up to a little over $800 and not lose benefits. If you make more than $800, you have 9 months when you can make as much money as possible and still receive your check. Then, you have an additional 3 months of grace period. Then, you lose your check, but you can go back and request to be back on disability without filing a new application. This continues for approximately eight years after you start working. For SSI beneficiaries, they have $1 taken away from their benefits for every $2 that they earn.

    The work incentives can probably be found on the SSA web site. In some respects, the work incentives are rather complicated, but you can keep your benefits and your health insurance while you work.

    Best of luck,
    Farida
    [This Message was Edited on 09/14/2005]
    [This Message was Edited on 09/14/2005]
  19. Leenerbups

    Leenerbups New Member

    Thank you for that answer! It gives me hope that I can work a little and still collect.
  20. rdrose

    rdrose New Member

    I got a booklet from ssi that says you can make up to 830.00 a month before it effects your disability.It also says they dont count the first 9 months of work. Call them they will send it to you. I had to check because I wanted to start my own business with Mary Kay.