Social Security Disability program: What happens when the disabled go back to work?
The United States recently received some rather good news about our Disability Income program, reversing a significant drain on the economy:
About 1.5 million Americans applied for disability benefits last year, which is the lowest number since 2002. Government officials say that number may be even lower this year. The total number of workers who received benefits in May was 8.63 million, dropping from a record height of 8.96 million in September 2014.
So what happens to the eligibility when someone in the program goes back to work? Are they kicked out? Can they reapply for the same medical condition even if by showing they could get a job should in theory demonstrate that their disability isn't a barrier to employment?
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It depends on the specific program and the definition of disability. In broad strokes under social security disability you are disabled if you cannot work at all regardless of what your typical profession is. Generally, the work threshold is your ability to sit at a sewing machine for 3 hours, so the bar is quite low. The Social Security program also does not have a partial "return to work" benefit.
If you are receiving disability income under such a program and return to work, you would then not be disabled because you are receiving the benefit because you are unable to work. As such, to begin receiving benefits again you would have to go through a similar, if not the same, claim process to begin the benefits again.
Private disability insurance programs are much more liberal in many ways. Some will pay benefits if you're perfectly capable of working but not able to perform the tasks of your usual profession. Some will pay partial benefits if you return to work on a part time basis.
I think it's woefully inaccurate to say that someone who has returned to work has been "kicked off" the program. Disability income insurance is about covering your income in the event you cannot work. Why would your car insurance continue paying for a rental car after your car is fixed? They didn't "kick you out of" the rental car. The payment for rental car's relative utility has simply expired.
1) There are income thresholds that you can't go over without losing your disability benefits.
2) Once you prove that you're able to work (and lose your disability) you'll have a hard time convincing the Social Security Administration that you're still disabled unless your situation changed. (like you tried to go back to work and re-injured yourself because you really weren't able to do the job you tried to do)
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