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Concurrent Beneficiary Issues and Considerations

by Lucy Miller

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An overview of how paid employment or self-employment affects a concurrent beneficiary:

When a concurrent beneficiary begins to work or reports net earnings from self employment, the first thing that happens (generally) is the loss of the SSI cash payment due to the combination of unearned income (the title II payment) and the earned income going over the individual’s break-even point (BEP).

Once the SSI cash payment stops, the beneficiary will move into 1619(b) status – assuming all of the eligibility requirements for this provision are met.  The individual is still considered to be an “SSI recipient” for SSA purposes while in 1619(b) status, even though no cash payment is received.  As long as 1619(b) status is preserved, the individual retains the ability to move back into SSI cash benefit status at any time without filing a new application.  The individual also will retain access to the 12 month suspension period protection in case SSI eligibility is lost for reasons other than earned income (such as excess unearned income or resources).