Apparently, As an SSDI recipient , I'm not allowed to start a business! But it's ok if existing business's don't hire me even when they give other people the job even after they got in fight's with co-workers! WTF!!!
I'm with you, PS. Collecting SSDI does mean that you are unable to find substantial gainful employment - the kind that you are both 'capable' of and 'qualified' for. When you are no longer capable of doing the type of work for which you are qualified because of a physical or mental disability, SSDI is approved. You can continue to work while on disability but there is a limit to what you can earn. If you can successfully run a business that enables you to support yourself, you are not qualified to receive SSDI any longer. If you can get a part time job stuffing envelopes after a career in construction, but receive less for that job than you are receiving on disability, you CAN work that job and continue to receive the disability insurance for which you have paid into the system during your past gainful employment.
If you are able, then, to pursue gainful employment with that degree, you shouldn't necessarily be collecting SSDI. I'm sure you weren't hoping to hear that, but SSDI is, after all, insurance. It's not a reward for becoming physically or mentally disabled.
Have you looked into "Ticket to Work"? It allows you in many cases to keep your insurance while you are starting your business. The Ticket to Work (Ticket) program is voluntary. Social Security disability beneficiaries, ages 18 through 64, who want to work can receive free employment support services and test their ability to work. Special Social Security rules, called “work incentives,” make it easier to work while you are still receiving health care and cash benefits. The goal is to be financially independent.
"Effect of Income on Cash Benefits for SSDI: All or Nothing Receive full monthly benefit until going over earnings limit of $800 per month ($1,330/month for people who are blind) 2003 figures. After exceeding earning limit for 12 months, check is completely stopped.
Effect of Income on Medical Benefits for SSI: Even if cash benefit ends, individual keeps Medicaid coverage until going over the threshold limit, an annual income limit that varies from state to state (from $12,000 to over $25,000) Note: The impact of employment on Medicaid benefits may be significantly reduced as a result of TWWIIA. Check with your local Medicaid or Social Security office for the most current information.
Effect of Income on Medical Benefits for SSDI: When cash benefits end, Medicare coverage stays in effect for 7-1/2 years (this includes an expansion of 4-1/2 years under the new TWWIIA legislation, as of 10/1/2000)."
This is not accurate: SSDI can be obtained by someone who has a disability that is expected to last 12 months or more or may result in death that makes work DIFFICULT but not impossible. For example I am eligible for SSDI because I'm legally blind. I CAN work (and I do) I do not currently collect but I certainly could.
They aren't controlling your life, they are giving you a choice. Start a business and earn money, or collect SSDI. That's like saying they are controlling someones life because you can't get a job and collect unemployment.
I don't know if you are looking for pity, but since it seems that way, you're barking up the wrong tree. There is nothing that pisses me off more than people who not only leech off the system, but then turn around and complain about it. Unfollowing now, because this is about as nice as I'm going to be.
If you are able to work or start a business your benefit status might have changed. I would suggest going to your local agency and discussing this. Because "substantial gainful activity" disqualifies one from SSDI in pretty much every state. You can earn a little in some states while transitioning. But as soon as the earning is "substantial" you will lose SSDI in any and every state--for obvious reasons.
Sapper, please do some research. SSDI and SSI are very different. I do not know mitchman but like him, my father is on SSDI. His is because of a physical disability that prevents him from working. He is not a leecher.
Seems that the perception here is that the OP could work and can even own and run a business. If so, he is not in the same class as your father - just wants to work (or have his own business) while drawing SSDI at the same time.
If so, that's surely in your favor. Whether it is or not, though, the original post [i]sounds[i] like you want both, and has resulted in some rather negative comments throughout the thread.
It that post was not meant that way, and any of my own posts have offended, I apologize even though I've tried to indicate that there was insufficient evidence to indicate that you did indeed want both.
The rules in relation to blindness are pretty different than from other conditions. They tend to have much stricter limits in the other categories and for all 'substantial gainful activity' is a disqualified. What varies is the definition of 'substantial'. Benefits are a potentially complex issue-- it is a good idea to get expert advice.
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