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the whole system is rigged against disabled people trying to work!!!! i spent 5 HOURS on hold last month trying to report my daughter's income and then got disconnected! the SSA website is impossible to navigate and nobody gives the same answer twice. its like they WANT us to make mistakes so they can punish us later.
Just a final recommendation - since your daughter has used all her Trial Work Period months and is in the Extended Period of Eligibility (EPE), the quarterly reporting approach using Form SSA-821 should work well. The key information SSA needs during the EPE is: 1. Monthly earnings amounts 2. Hours worked each month 3. Job duties/type of work This helps them determine if she's performing Substantial Gainful Activity (SGA). Since her earnings are consistently well below the SGA threshold ($1,550/month in 2025), her benefits should continue without interruption. Keep detailed records of all communications with SSA, including certified mail receipts. If your daughter's earnings pattern changes significantly, report it promptly. Quarterly reporting for consistent below-SGA earnings is a reasonable approach that balances compliance with practicality.
Just wanted to add one thing - if your husband is still working, make sure to factor in how his last few years of earnings might increase his benefit calculation. My husband's final years of work at higher income actually bumped up his PIA since they replaced some lower-earning years from when he was young. The SSA uses the highest 35 years of earnings, so those last high-earning years can make a meaningful difference!
That's such an important point! My brother-in-law missed this completely. He retired at 63 thinking his benefit was fixed, not realizing that working even part-time at a decent wage for a few more years could have replaced some zero-earning years in his calculation. The SSA doesn't do a great job explaining this.
im confused about one thing. if ur only married 8 yrs does that affect spousal benefits? i thought u had to be married 10 yrs for that?
You're thinking of divorced spouse benefits, which require a 10-year marriage. For current spouses, you only need to be married for 1 year to qualify for spousal benefits, and 9 months for survivor benefits (with some exceptions). Since they've been married 8 years, she qualifies for both types of benefits as long as they remain married.
One more important thing: if your ex-spouse remarried but you haven't, you can still claim on their record. Your benefit claim has no effect on what your ex-spouse or their current spouse receives. Many people don't realize this and avoid claiming divorced spouse benefits unnecessarily.
WAIT does anyone know if this applies the same way for survivor benefits?? My mom's ex-husband died last year and they were married 30 years before divorcing in 2011. Can she get HER social security AND survivor benefits from him??? Now im confused if the rules are different for survivors vs regular retirement!!!
Survivor benefits have different rules than divorced spouse benefits. With survivor benefits (including divorced survivor benefits), your mom can actually receive her own retirement benefit AND a partial survivor benefit if she's at full retirement age. Or she could take one first and switch to the other later depending on which maximizes her overall benefits. She should definitely contact SSA about this specific situation because survivor benefits offer more flexibility.
random question but whats the current substantial earnings amount for 2025? Is it still around $28k?
Since you mentioned you're in good health and longevity runs in your family, have you considered the tax implications of your decision? If you claim now while working, more of your SS benefits might be taxable. If you wait until 70, you'll have a higher benefit, but potentially more of it subject to taxation depending on your other income sources in retirement.
That's another aspect I hadn't fully considered. I'll need to look at our overall tax situation in retirement. We'll have my husband's SS, my state pension, some 401k withdrawals, and then eventually my Social Security. I should probably consult with a tax professional to model different scenarios. Thanks for bringing this up!
Mei-Ling Chen
MY SON WENT THRU SAME THING. social security is THE WORST!!! we gave them his work info 3 TIMES and they still kept sending letters saying we didnt report!! make sure you get RECEIPTS for EVERYTHING!
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Tyrone Hill
•This is a really important point. When you report wages online, always take screenshots or print the confirmation pages. The SSA systems don't always communicate properly with each other, and having documentation of your reporting can save you from headaches if they later claim you didn't report properly. I also recommend keeping a simple spreadsheet with dates of reporting and the amounts reported.
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Ahooker-Equator
Just to add some clarification since there's been some confusion in the responses - the SSA wage reporting system specifically needs the Federal EIN, not a state tax ID or other business identifier. Also, once you have the online reporting set up, you'll need to be aware of your son's Trial Work Period (TWP) months and Substantial Gainful Activity (SGA) threshold if he's receiving SSDI-based benefits. The 2025 SGA amount is $1,550 for non-blind disabled individuals, and staying below that is crucial for maintaining benefits.
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Abigail bergen
•Thank you for mentioning the SGA amount. The case worker did talk about that, but I wasn't sure of the exact number for 2025. My son is only working about 10 hours a week at $15/hour, so he should stay well below that threshold. Does the TWP apply to disabled adult child benefits too? I thought that was just for regular SSDI.
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Ahooker-Equator
•Yes, the Trial Work Period does apply to Disabled Adult Child (DAC) benefits since they're administered under the same rules as SSDI. Your son gets 9 TWP months (not necessarily consecutive) where he can earn any amount without affecting benefits. A TWP month in 2025 is any month he earns over $1,110. After using all 9 TWP months, the SGA limit kicks in. At his current hours, he's likely staying under the TWP threshold too, which is good!
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