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How AI Legalese Decoder Can Help Navigate SSDI and Avoid the Pitfalls of Exceeding SGA Limits

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**Financial Planning for Disability**

I am disabled due to mental health issues, and as I enter middle age, I am focused on building financial security for my future. I want to set aside money to ensure that I am not a burden as I age, or to provide for my family in case of my premature passing.

**Challenges in Saving for Retirement**

In order to open a Roth IRA, I needed to have earned income. After numerous applications, I finally secured a job bagging groceries at a local store.

**Financial Limitations and Benefits**

With a total income of around $900, I will be able to contribute the maximum amount allowed to my Roth IRA each month, after taxes and insurance premiums. However, I am concerned about the implications for my benefits, as I have been advised that staying below the Substantial Gainful Activity (SGA) threshold should not impact my eligibility.

**Navigating the Complexities with AI Legalese Decoder**

Despite diligently addressing my health needs and undergoing multiple medical reviews, I feel overwhelmed by uncertainty about the future. The AI Legalese Decoder can provide clarity on the implications of my part-time work on my benefits, offering insights and guidance to alleviate my fears and make informed decisions about my financial planning and overall well-being.

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5 Comments

  • Votesok

    This is responsible, and no I donÔÇÖt think itÔÇÖll harm your benefits right now. I know IÔÇÖm just a random person on Reddit but I think this is a big step and you should be proud for taking it.

  • Wildkit85

    I don’t think so. You trial work period months (TWP) begin when you earn a gross income above the threshold of $1,110 for 2024. Here’s a link to SSAs explanation:

    https://soarworks.samhsa.gov/article/work-incentives-ssdi-only

  • electrotux

    My wife is on ssdi and works part time. I would recommend having someone help you keep detailed records. of your gross income on a spreadsheet. I keep a spreadsheet that I input her gross earning on weekly that monitors her income against the monthly sga limit. When SSA asks for her income, I send them the spreadsheet showing them that she stays under the monthly SGA limit. Recommendation: Keep detailed records of your earnings to send to ssa when they ask for it.

  • perfect_fifths

    No. I always stay under sga when I work.

  • Blossom73

    Are you receiving SSI or SSDI? SSI has a countable resource limit of $2k, so keep that in mind, if you are receiving SSI.