Understanding the Basics of SSI and SSDI
Before diving into whether you can file a child on SSDI and earn income, it’s essential to understand the basics of Social Security Income (SSI) and Social Security Disability Insurance (SSDI). SSI is a federal program that provides financial assistance to individuals who are disabled, blind, or aged, and have limited income and resources. SSDI, on the other hand, is a program for individuals who have worked and paid into Social Security, and who have a disability that prevents them from working.
Eligibility for Children on SSDI
Children may be eligible for SSDI if they meet certain criteria. These criteria include having a disability that started before the age of 22, being the child of a disabled or deceased worker, or being the child of a worker who is receiving SSDI benefits. Additionally, the child must be unmarried and under the age of 18, or under the age of 19 if they are still attending high school.
Can You File a Child on SSDI and Earn Income?
Now, let’s address the main question: Can you file a child on SSDI and earn income? The answer is yes, you can. However, there are specific rules and limitations that you need to be aware of.
Substantial Gainful Activity (SGA)
One of the key factors to consider is the concept of Substantial Gainful Activity (SGA). SGA refers to the amount of income a person can earn while still receiving SSDI benefits. For children, the SGA limit is $1,310 per month in 2023. If a child’s income exceeds this amount, they may lose their SSDI benefits.
It’s important to note that the SGA limit is not the same as the income limit for adults. For adults, the SGA limit is $1,950 per month in 2023. This means that a child can earn more than an adult before their SSDI benefits are affected.
Unearned Income
In addition to earned income, children can also receive unearned income, such as interest, dividends, or gifts, without affecting their SSDI benefits. However, there are limits to the amount of unearned income a child can receive. In 2023, the limit is $2,310 for children under the age of 18, and $3,780 for children between the ages of 18 and 22 who are still attending high school.
Work Incentives for SSDI Beneficiaries
The Social Security Administration (SSA) offers various work incentives for SSDI beneficiaries, including children. These incentives are designed to help individuals with disabilities transition back into the workforce while still receiving SSDI benefits. Some of these incentives include:
| Incentive | Description |
|---|---|
| Plan to Achieve Self-Support (PASS) | Allows individuals to set aside money or property to start a business or train for a new career. |
| Stationary Blindness Allowance | Increases the SGA limit for individuals who are blind. |
| Experiential Blindness Allowance | Increases the SGA limit for individuals who are blind and have a limited amount of work experience. |
Reporting Income
It’s crucial to report any changes in income to the SSA, as this can affect your child’s SSDI benefits. You can report changes in income by calling the SSA at 1-800-772-1213 or by visiting your local SSA office.
Conclusion
In conclusion, you can file a child on SSDI and earn income, but there are specific rules and limitations to keep in mind. Understanding the SGA limit, unearned income limits, and work incentives can help you make informed decisions about your child’s SSDI benefits. Always consult with a Social Security expert or attorney to ensure you’re following the correct procedures and maximizing your child’s benefits.
