How to Report Work and Wages to Social Security
If you work while receiving disability benefits, you must report your earnings to Social Security to keep your benefits accurate and avoid overpayments. Reporting is simple, and doing it promptly protects you.
Why Reporting Matters
Both SSDI and SSI have rules tied to your earnings, so the SSA needs to know when you work and how much you earn. Accurate reporting prevents overpayments that you would later have to repay, and it ensures you receive every dollar you are owed.
What to Report
Report changes that affect your benefits, including:
- Starting or stopping a job.
- Changes in your hours or pay rate.
- Your gross monthly earnings.
- Any impairment-related work expenses.
How to Report
You can report wages through your personal account at SSA.gov, by phone, or in person, and SSI recipients may have a mobile reporting option. Report by the deadlines the SSA gives you, and keep copies of pay stubs in case questions arise.
Tracking Work Incentives
Reporting also lets the SSA track your trial work period and extended period of eligibility correctly. This protects your ability to test working without unexpected loss of benefits.
The Bottom Line
Report your work and earnings promptly to keep your benefits correct and avoid overpayments. Keep records and meet the SSA’s deadlines. This article is general information and not legal advice. Confirm current reporting methods with the SSA.
Frequently Asked Questions
How often do I need to report earnings?
Generally you report monthly or when changes occur, depending on the program. The SSA will tell you the schedule that applies to your case.
What if I forget to report?
Report as soon as you can. Late reporting can cause overpayments, but prompt correction limits the problem. Keeping pay records helps resolve any questions.
Sources
- Social Security Administration, Reporting Wages, SSA.gov
- SSA, Working While Disabled, SSA.gov
- SSA Red Book, SSA.gov