Overview of Disability

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Disability for Mental

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Working and Disability

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Disability Conditions List

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Filing for your Disability

Disability Eligibility

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SSDRC Disability Blog

Does Social Security take into consideration gross earnings or net earnings?

I am planning on applying for Social Security in March. I will be 62 in May. I currently receive military pension benefits and my wife receives Federal Civil Service pension benefits. I operate a consulting practice as a sole proprietor. I pay self employment taxes every year on the money I earn from the consulting practice.

My question is this: I know that SS will take $1 for every $2 I make over a particular year's earnings limits. I have been told; however, that they do not take into consideration my gross earnings from the consulting practice, but the net that correct?

If that is correct, will a contribution to a self employed pension IRA of sufficient funds to make my net income fall below that particular years earnings limit stop SS from taking money back?

Thank you for any help you can provide.

I cannot answer that question. You really need to ask your accountant how your IRA pension contributions affect your net self-employment. Social Security used to make questionable retirement determinations for individuals who were self-employed like yourself.

If they still made those determinations you would most likely not be able receive a reduced retirement because you are basically working your regular job, not retiring, which does give a self-employed person a benefit that wage earning individuals have to wait until full retirement age for. However, Social Security determined within the last couple of years they will just accept the net self-employment that reports to the IRA.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

Appealing a Social Security Disability Claim decision
Getting approved for disability based on being blind
Social Security Disability benefits for stroke
Do you have to quit your job before filing for disability?
Social Security Disability SSI and proving you can't work
How to file for disability in Oregon
How to get disability for degenerative disc disease
How much do you pay a disability lawyer and how are they paid?

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

These pages provide answers to basic questions about pursuing disability benefits

Social Security Disability SSI - Eligibility Requirements and Criteria to Qualify
Who qualifies for disability? - Qualifying is based on evidence of functional limitations
Medical Disability Requirements for SSD and SSI
The non-medical Disability Requirements for SSD and SSI
How to Apply for Disability - What medical conditions can you apply for?
What are the Social Security Disability, SSI Requirements For How Disabled You Have to Be?
What types of information is Social Security Disability looking for?
Proving Functional Limitations and why this is Important on a Disability Case
Applying for Disability - Rules and Requirements when you Apply