When you receive disability benefits, you might think that working is off the table. That’s not always true. Many people find ways to work part-time or gradually increase their work hours while still receiving benefits. The key is knowing how your earnings affect your benefits.

The Social Security Administration (SSA) uses a specific formula to calculate your monthly benefit amount. This formula is based on your average lifetime earnings, adjusted for inflation. The goal is to replace a portion of your income, helping you maintain financial stability while you focus on your health.

Navigating the disability benefits process can feel overwhelming. When you’re unable to work due to a disability, you need clear, straightforward information to help you move forward. I’m here to guide you through the steps, explain what to expect, and offer practical advice. Together, we’ll break down the process into manageable parts so you can feel confident and supported.