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Can i Earn Money and Not Have it Affect My Social Security Payments?

Can i Earn Money and Not Have it Affect My Social Security Payments?

Full question:

I have written a book, can I get it published, and not hurt my SSI?

Category: Social Security
Date: 04/07/2025
State: Wisconsin

Answer:

The answer will depend on the type of payments you receive and how much income you will earn. Please see the information at the following links to determine applicability:

http://www.ssa.gov/disabilityresearch/wi/generalinfo.htm
http://www.ssa.gov/redbook/eng/ssi-only-employment-supports.htm#1

The amount deducted will be a matter of calculation for the Social Security Administration. We suggest you contact them at toll-free at 1-800-772-1213 if you require further assistance is estimating your payments.

This content is for informational purposes only and is not legal advice. Legal statutes mentioned reflect the law at the time the content was written and may no longer be current. Always verify the latest version of the law before relying on it.

FAQs

Can you publish a book while on disability?

Yes, you can publish a book while receiving disability benefits. However, the income you earn from the book may affect your benefits. The Social Security Administration (SSA) considers your total earnings, and if they exceed certain limits, your benefits could be reduced. It's important to keep track of your income and consult the SSA for guidance on how publishing may impact your specific situation.

Do royalties affect social security disability?

Yes, royalties can affect your Social Security Disability Insurance (SSDI) benefits. The SSA counts royalties as income, which may lead to a reduction in your benefits if your total earnings exceed the allowable limits. It's advisable to report any income from royalties to the SSA to ensure compliance and avoid potential issues with your benefits.

What are the downsides of self-publishing?

Self-publishing can have downsides, such as upfront costs for editing, design, and marketing. Additionally, you are responsible for distribution and promotion, which can be time-consuming. There is also the risk of lower visibility compared to traditional publishing, which may affect sales. Lastly, any income generated could impact your disability benefits, so it's essential to consider these factors.

How much does it cost to write a book and get it published?

The cost of writing and publishing a book can vary widely. Expenses may include editing, cover design, formatting, and marketing. Self-publishing can cost anywhere from a few hundred to several thousand dollars, depending on the services you choose. It's important to budget for these costs and consider how they might affect your financial situation, especially if you are on disability.

How to protect your self-published book?

To protect your self-published book, consider registering it with the U.S. Copyright Office. This provides legal protection against unauthorized use. Additionally, using an ISBN (International Standard Book Number) helps establish ownership and makes your book easier to find. You may also want to consult a legal professional to explore other protective measures, especially if you plan to earn income from your book.