ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

A Word of Caution about SSI and Self-employment

Updated on December 23, 2009
If you are limited to working from home, you are penalized instead of applauded for doing what you can.
If you are limited to working from home, you are penalized instead of applauded for doing what you can.

 

Many people who get SSI and Social Security Disability (SSDI) for anxiety disorders receive these payments partially because they cannot leave the house alone. Not everyone with an anxiety disorder on SSDI has this difficulty, but it is one of the qualifying criteria for SSDI for anxiety disorders. However, the practices of the Social Security Administration (SSA) seem to penalize those who want to work but cannot work outside the home.

If a person receives SSI and not just Social Security Disability and the individual starts working from home as being self-employed, the Social Security Administration calculates the self-employment earnings from the beginning of the year. So, if someone started working from home in July (or any other month), the SSA treats it as if the person has started working from home in January.

Therefore, the Social Security Administration can decide that you need to repay the SSI you received during the months that you weren't working! I started working from home with freelance writing in July. I reported my new employment and income beginning July. The SSA decided that I should no longer get SSI since my work from home income was above their monthly income limit for SSI. I was totally fine with that since I make much more from home than my small SSI check.

The shock came when I received the letter months later that said that I owe the Social Security Admnistration the SSI money that I received from January-July. People have the option of appealing this or claiming hardship. Even if the person does not appeal the decision or claim hardship, the amount is recalculated for the year when the person files their income tax the following year. If the amount calculated from the income tax shows that the person did not make enough to have the SSI taken back for the year, the Social Security Administration may return some or all of the money that was paid back according to the SSA representative.

Obviously, this is not logical. You would think that the SSA would use the person's start date to do their calculations for SSI. It's just another example of how the Social Security Admnistration makes it more difficult for people who need to work from home due to anxiety disorders like agoraphobia.

To recap, if you work from home instead of having a traditional job, you will have to pay back the SSI from the beginning of the year if the SSA decides you no longer qualify for SSI. Also, people who work from home who are on SSI or SSDI can only work 45 hours a month. People who work outside the home can work more hours. (Again, I don't see the logic in that at all. I think it should be a straight income limit for everyone.)

If ANYONE understands the logic for these SSA practices, please share!
I am not an authority on SSA practices. Please contact the SSA and discuss your case and situation if you have any questions.

 

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)