Benefits and Work:
Disability Benefits and Work

 
 



 

Before you decide to get a job, speak with your case manager to make sure you understand the disability benefits you receive and how much income you can earn. This section provides an overview of private disability and Social Security work-incentive programs.

A cautionary note: program limits, benefits, and eligibility are subject to change. You can get up-to-date information by calling the Social Security Administration or your private-disability carrier.


























 
 

Private Disability and Work
 

 


If you currently receive private disability benefits and want to work or increase your employment income, carefully review your disability policy as companies are getting tougher about keeping coverage in force. Start with the policy's definition of disability and how much you're allowed to work and maintain benefits.

Some policies encourage a return to work by offering residual or partial disability, i.e., being able to work a certain number of hours without losing benefits. Some policies may even offer to pay for vocational rehabilitation services if you are unable to return to your previous occupation and want to be re-trained for something else.

 
 
Understanding the policy coverage, restrictions, and your rights is important to ensuring that your policy isn't canceled. If you are seriously considering a return to work, contact your insurance company and find out what return-to-work initiatives they offer, and request their answer in writing.

 

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Social Security and Work
 

 


Thousands of people with HIV infection are receiving Social Security disability benefits under two programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

Both SSDI and SSI have work incentives that protect your entitlement to monthly cash payments and/or Medicare or Medicaid until you are able to earn enough to live and pay for your own health insurance. Work-incentive programs are designed to encourage you to work and to be sensitive to your needs as a disabled person. You can try work and see how you do, and if you get sick you can resume your benefits.

When you are considering going to work or increasing from part-time to full-time work, write or call your Social Security representative about this change. If you earn income and don't inform Social Security, you may lose your benefits.

 

SSI Work incentives include:

Continuation of monthly cash benefit check

Continued Medicare or Medicaid coverage

Help in paying certain work expenses

Help in paying for some education, training, and vocational rehabilitation

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