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Camming while receiving SS disability?
Are there any camm girls who are receiving disability and still cam without it effecting you check.
I might be applying soon and hope I am approved but I also want the option to cam. I'm worried that either
I'm not able or not allowed to work and I read that if you do work, you have to work part time and can't
make over like $1000 USD a month. (bummer)
Is there a way to get around that monthly income limit without messing up your disability? I'm thinking maybe sign up with an LLC and let that LLC pay you the max of your earnings to still qualify? I am just guessing here because I haven't applied and not very knowledgeable about it so if anyone can help shed some light on the issue, I would so appreciate it.
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Re: Camming while receiving SS disability?
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Re: Camming while receiving SS disability?
There is no legal way to get around the monthly income limits. If you are approved your only option would be to cam and earn less then 1000 per month- which you would report on your taxes. Or work on a site/through a studio that doesnt issue 1099s and do not report your income (basically commit tax fraud and disability fraud)
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Re: Camming while receiving SS disability?
What they said!!
In short, you cannot get around it legally. Theoretically, you could cam and not report the earnings, but it is not worth the risk - you get the 1099, you give your SSN to the sites, it is super easy to track, and you do not want the IRS hunting you down for unpaid taxes!!
Depending on what you need the money for, you CAN do $1000 a month in camming on sites, and then supplement that with indy work for amazon GCs. Theoretically, you can only be given a certain amount of $ as "gifts" tax free, and it should still be reported, but its much much harder (if not impossible) to track because it never touches your real name or SSN. Of course, it's not going to pay your rent, but it helps!! Any money that you get through indy work would still count toward the $1000, no matter which payment service you ran it through.
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Re: Camming while receiving SS disability?
Would this also permit to unemployment?
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Re: Camming while receiving SS disability?
^^^ Absolutely!!!
When it comes to benefits, remember that this is a REAL JOB. It "counts" for everything that a part-time job in a shop or as a barista would - the fact that you are an independent contractor does not allow you to omit it from taxes, disability claims, benefit claims, or unemployment.
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Re: Camming while receiving SS disability?
I'm confused. If you CAN earn more than the limited amount of income working on your own, then why would you want to limit your own earnings to receive government assistance? Maybe I'm missing something? I have no idea what your situation is, but if I could earn $4k/month camming or limit myself to $1k/month camming in order to get social security (this is just random example numbers), I'd rather not collect the government money.
I might be missing something in the point of the original post.
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Re: Camming while receiving SS disability?
Copying what everyone else said. You can work for a site outside the states and that'd be a little harder for them to find. SS disability is federal is it not? The federal government has no sense of humor- I'd recommend following their guidelines for your benefits to a T. Still the extra grand a month would probably help you out a lot- even with the taxes removed. However is this a physically disability you've filed for? You might want to take into consideration that they might consider this job physical.
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Re: Camming while receiving SS disability?
I think you should just cam and forget the government assistance. You can do much better unrestricted!
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Re: Camming while receiving SS disability?
As for unemployment and working- each state has specific guidelines on how much work you can do and how much you can earn and still receive partial or full benefits. Working on cam is 'self employed' which has different limits then hourly employees. When you were approved for unemployment you would have received a handbook explaining the rules and regulations or you can check your states website if you no longer have it. I would be very careful about going on the advice of the employees at the unemployment office or on the hotlines though because they tend to be misinformed about a lot of things and they really dont care if your benefits are cut or terminated. Just be sure youre reading the proper section for self employed individuals and not hourly employees.
Getting back to what crashingsilent metioned- working on disability is IMO a bit of a scam on the governments part. They strongly encourage disabled people to work- especially now with this new 'ticket to work' program. They allow people with disabilities to earn around 1,000 a month and still receive their full benefit amount and medical benefits. (and funnymoney you should note that is an apx number, if you are approved a SS rep will be able to give you an exact number of what you can earn to still be able to qualify for benefits- because its calculated on a number of factors)
But what they neglect to mention in a lot of their propaganda is that rarely is anyone approved for disability for life. Typically your case comes up for re-evaluation every 3-5 years. If you were approved for disability because a condition left you unable to work and then you took advantage of their 'ticket to work' program and returned to work part time- guess what- when your case comes up for re-evaluation 5 years later- chances are youre going to be denied because you have been working for the last five years, be it part time, you still proved yourself capable of working and not disabled.
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Re: Camming while receiving SS disability?
If you are on disability you can't work. Camming is real work, you have to file taxes. You can't do it. And I'm sorry, I know disability does not pay enough but that's how it is. For people on disability it's best to do under the table work to supplement. I know lots of disabled people who clean houses or do baby sitting for locals.
It's ridiculous. For example, I have a family member who took disability because they were a truck driver and they developed heart disease and so he wasn't able to perform his job. He was a liability and his heart disease was one which was a killer for him, and others on the road if he were have a heart attack. But just because he couldn't drive a truck over the road did not mean he couldn't mow a lawn or do paper work even. But he could never work again because of his disability.
Another family member is disabled because she had a serious nervous break down and could not work, ended up in a mental hospital and it took her years to get back to semi normal, she's still not right. But she can do other work, they won't let her. But she does under the table, she paints and cleans houses and does well, locals know she has a "business" and they all pay her in cash.
But the Veterans who are disabled are encouraged to work and are not barred from working. I think it's great that they encourage this...but why don't they encourage this for non veterans who are disabled? It makes NO sense.
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Re: Camming while receiving SS disability?
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Originally Posted by
Cam_Model_Jess
I'm confused. If you CAN earn more than the limited amount of income working on your own, then why would you want to limit your own earnings to receive government assistance? Maybe I'm missing something? I have no idea what your situation is, but if I could earn $4k/month camming or limit myself to $1k/month camming in order to get social security (this is just random example numbers), I'd rather not collect the government money.
I might be missing something in the point of the original post.
It's possible they found camming after being put on disability. And it could be as in the case of the people I know that I posted about, that whatever job they had been making a living of cannot be performed with their disability and they have no skills for any other job at this point in their life. So they have no choice. And for me personally I'd take social security disability over camming if it were me because SS disability won't be taken away, when I'm 70 if I live that long, I'll still have that small amount of a safety net. Camming....I may decide I hate it, become horrible at it and lets face it, when I'm 70.....I won't be camming...but I would still need money. So I would take it, just for the security and find a job that pays cash and doesn't report my earnings.
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Re: Camming while receiving SS disability?
I would say screw the disability check...seriously.
I am not sure what your disability is but I am disabled myself and was unable to work for YEARS due to a severe pain disorder. I got fired from job after job because I wouldn't be able to come in or I would have to take frequent breaks. I also would look miserable at times due to extreme pain. (Muscle spasms in my head from a botched root canal, I was on slow release morphine for it...serious shit).
I can make way more camming than I could a disability check. I can work whenever and take breaks when I please.
Don't risk screwing with the IRS. Seriously. Because not only is there jail time, but then you have to pay all that money back...and then some.
I would try and find a way to really make camming work for you. It took a while for me to fully get there but there is also a sense of autonomy and accomplishment being a disabled person but still being able to create your own results regardless of whatever set back you may have.
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Re: Camming while receiving SS disability?
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Originally Posted by
volatileghost
Would this also permit to unemployment?
Depends on the state. But, most states do not allow self-employed people to participate in their unemployment insurance system. The only way you would be able to participate is if you paid SUTA and FUTA (state and federal unemployment taxes) on yourself each quarter.
HTH
Z
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Re: Camming while receiving SS disability?
Thanks all for your responses. Disability income does not pay as much but it can be permanent or at the very least last for years. Also I read that you get free medical benefits with it as well, so receiving SSI/SSDI has it's advantages for those who are approved. It would be great to be able to supplement that by working but on it's own, the disability check is never enough to live off of, however, I see where someone stated previously that SS encourages people to work part time snd earn limited income while on SSDI, just so they can take your benefits away at your next renewal, so working part time with SSDI may not be the best idea for those who want to keep their benefits going.
I don't know if Camming under an LLC company name (in the name and social of someone else) would solve that income limit problem but the second option would be to work for cash or in this case cam for gift cards. Last option would be to not apply for disability and just "work" Camming to earn an income which if you are good at it and dedicated, you stand to make a lot of money but then if you are not that good at camming and really not that dedicated to it, you can make way less than a disability check would pay you every month. Disability would pay, depending on various factors, any where from $500 to $2000 USD or more a month from disability alone.
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Re: Camming while receiving SS disability?
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Originally Posted by
ManyRoses
Depending on what you need the money for, you CAN do $1000 a month in camming on sites, and then supplement that with indy work for amazon GCs. Theoretically, you can only be given a certain amount of $ as "gifts" tax free, and it should still be reported, but its much much harder (if not impossible) to track because it never touches your real name or SSN. Of course, it's not going to pay your rent, but it helps!!
Just to piggyback off of that, what a person could do if they were so inclined is only accept camming payment in the form of Amazon gift cards and save up for big ticket items such as electronic devices, appliances- check ebay to see what sells consistently. Puchase a big ticket item you know you can sell and then turn around and post it for sale on Craigslist for cash. You may have to let the items go for just under retail value so take that into account when pricing your cam shows. It's not quick money by any means but it would be a way to get untraceable cash from camming. I've never actually done this before so ymmv but I don't see why this wouldn't work?
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Re: Camming while receiving SS disability?
I could have managed to have my money tax free in the UK by using Payoneer and withdrawing cash but I declared it. Adultwork is out of UK jurisdiction and so is Payoneer, so even if they knew about them, they're not going to get the info they need as I don't think either would give information voluntarily and going to the trouble for out of jurisdiction court action to get it wouldn't be worth it...but there's always the risk that someone finds out what you do and reports you, and it all gets very nasty. The tax man in the UK is one thing but if you're claiming a benefit then you really get hit hard here if they find out...fine and possible imprisonment for benefit fraud.
I would think though if you're claiming a disability benefit that you effectively declare yourself fit for work by registering as self-employed, they will stop any benefit you get now and you will find it harder to go back onto benefits if camming doesn't work out or give you the income you need. I think in the UK anyway they don't look at the type of work you're doing, you're either fit for work or you're not (I could be wrong).
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Re: Camming while receiving SS disability?
Well this can get a bit trickly since everyone responses will be different I am in Canada I found a loop whole of how I could keep getting disabilty and my benefits from working cam or esocrting. but for you you might need to do more research on it find any loop wholes.
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Re: Camming while receiving SS disability?
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I'm confused. If you CAN earn more than the limited amount of income working on your own, then why would you want to limit your own earnings to receive government assistance? Maybe I'm missing something? I have no idea what your situation is, but if I could earn $4k/month camming or limit myself to $1k/month camming in order to get social security (this is just random example numbers), I'd rather not collect the government money. I might be missing something in the point of the original post.
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Disability income does not pay as much but it can be permanent or at the very least last for years. Also I read that you get free medical benefits with it as well, so receiving SSI/SSDI has it's advantages for those who are approved. It would be great to be able to supplement that by working but on it's own, the disability check is never enough to live off of, however, I see where someone stated previously that SS encourages people to work part time snd earn limited income while on SSDI, just so they can take your benefits away at your next renewal
In the case of SSI disability, the monthly SSI payout is typically something on the order of $1000. And as others have posted, the amount of allowable income to retain SSI disability eligibility ( as well as eligibility for other social welfare benefits ) is another $1000. So in some US states at least, people on SSI disability face two choices ...
A. limit their earnings to $1000 per month. This provides them an additional $1000 per month in the form of a SSI disability check for a total income of $2000 per month ( which will for the most part not be taxed ). However, this may also provide eligibility for Medicaid health insurance, for subsidized ( discounted ) rent, for subsidized ( discounted ) utility bills, for a 'free' cell phone, etc. ... the equivalent 'cash value' of which can easily add up to another $1000+ per month.
B. increase earnings to the point where eligibility for SSI disability ( and other social welfare benefits ) is lost. But in order to 'break even' in the absence of gov't checks and benefits, the after tax amount of these earnings must exceed the $3000+ per month equivalent 'cash value' level of scenario A. With current tax rates, this probably means that earnings must rise to the $3500 per month pre-tax level in order to actually wind up 'better off' than earning $1000 plus retaining eligibility for SSI disability plus social welfare benefits.
Of course, choosing scenario A also essentially forces that person to never save significant amounts of money, to never buy a new car, to never buy a house or condo etc. As pointed out by others, the IRS and state tax agencies do compare reported income to actual levels of reported expenditures, and get very rattled when the amount of money being deposited in bank accounts or retirement accounts, the amount of money being paid out for auto loans or mortgages etc. cannot be explained versus the low level of officially reported income.
However, as pointed out by another poster, making the effort to earn $4000 per month via camming, and foregoing gov't checks and benefits, can be a significant source of personal pride ... as well as leaving the door open for saving money, for buying new cars, for buying a house or condo etc. However, the economic fact is that, given the available social welfare benefits in many US states, and given progressive income tax rates, the de-facto standard of living of the hard working camgirl earning $4,000 per month won't actually be much higher than the standard of living of the 'disabled' camgirl earning $1000 per month.
And, for better or worse, if the hard working camgirl only manages to earn $2500 or $3000 per month instead of $4000 per month, her standard of living absent gov't checks and benefits will actually wind up being LOWER than the 'disabled' camgirl earning $1000 per month.
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Re: Camming while receiving SS disability?
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Adultwork is out of UK jurisdiction and so is Payoneer, so even if they knew about them, they're not going to get the info they need
Unfortunately for US camgirls, unlike the UK and most other foreign countries, the US IRS attempts to tax ALL income of US citizens and residents, regardless of whether the source of that income is located within the USA or located in a foreign country. Also, thanks to Wall Street 'leverage' on foreign banks, the IRS has essentially forced foreign 'employers' of US citizens ( i.e. adult webcam hosts located in foreign countries ) to prepare and file 1099 automatic reports of moneys paid to those US citizens. Additionally, the US gov't closely monitors all financial transactions originating outside the USA involving the accounts of US citizens ( under the cover of Terrorist Anti-Money Laundering laws ). Thus there is now essentially zero probability that a US camgirl can get away with 'forgetting' to report her camming income to the IRS. This guarantees that SSI will be made aware of the actual incomes of SSI benefit recipients at the US federal level. And since some 40 odd US states have information sharing agreements with the IRS, this also means that state social welfare benefit agencies will also be made aware of the actual incomes of state Medicaid / subsidized rent / subsidized utility etc. benefit recipients at the state level.
If 'caught' under-reporting actual incomes in order to fraudulently obtain SSI benefits and/or social welfare benefits, a triple whammy is likely to result. #1 the IRS will estimate actual income, will set an amount of taxes owed on that estimated actual income plus penalty charges and interest charges, and will be relentless in collection attempts. #2 the state will not only cease social welfare benefit eligibility, but will also attempt to force repayment of the 'cash value' of benefits already paid out for which the recipient wasn't actually eligible. #3 the state may very well prosecute for 'welfare fraud' in an effort to gain front page publicity in local media which will dissuade others from attempting the same !
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Re: Camming while receiving SS disability?
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Originally Posted by
exxotic
But the Veterans who are disabled are encouraged to work and are not barred from working. I think it's great that they encourage this...but why don't they encourage this for non veterans who are disabled? It makes NO sense.
No one on disability is barred from working. Every single person receiving disability benefits including the blind is eligible and encouraged to work. What your family members dont tell you is every six months or so they receive a mailing from the SS administration explaining the current incentives for getting back to work. The current program is being called "ticket to work". If you dont believe me go to the SS website and read about it for yourself. You will see there are no exclusions. The thing is not everyone who is disabled is ABLE to work- but they are all encouraged to.
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Re: Camming while receiving SS disability?
I can understand not wanting to go off disability for a few reasons, even if it limits your income somewhat:
1. MEDICAL. In the US, this is a HUGE deal, and depending on why you are on disability, you may not be able to cope with medical expenses without help. I have a friend who has to stay in a job she hates in order to keep her benefits, because her prescription costs are in excess of $1000 a MONTH. A new job couldn't cover that much. And unless you are in a position where you have a good chunk of savings, you are screwed should you be in an accident or seriously hurt yourself.
2. Depending on WHY you are on disability, you may not be able to work enough to guarantee covering your ends with just camming. Say you have a condition (like severe arthritis) that fluctuates - you may be able to cam solidly for a week and earn a grand or so, but then it could flare up and you wouldn't be able to work for the rest of the month. Depending on your expenditures, this might not be a risk that you are willing to take.
3. Depending on the state that you are in, you could have issues coming off disability and then trying to go back on. Ridiculous as it may be, many areas will kick up a big 'ol fuss if someone claims disability, then cancels it to cam for a while, then decides that maybe camming isn't right for her (burnout, just not suited, local internet connection turns out to be crap, whatever) - and tries to go back on disability again. She may find it difficult or near impossible to get disability again in the future for the same condition.
In this case, I would cam up to your allowable limit for a while (and try to supplement it with indy work for amazon GC). This will allow you to keep your disability - it won't affect your medical, won't affect your ability to claim in future, but WILL give you a chance to see if camming is right for you, and if you can earn enough to support yourself entirely. If you then decide that you can make a go of it camming full-time, take out medical insurance to cover that aspect of things, and build up some savings before you cancel your disability.
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Re: Camming while receiving SS disability?
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Originally Posted by
ManyRoses
I can understand not wanting to go off disability for a few reasons, even if it limits your income somewhat:
1. MEDICAL. In the US, this is a HUGE deal, and depending on why you are on disability, you may not be able to cope with medical expenses without help. I have a friend who has to stay in a job she hates in order to keep her benefits, because her prescription costs are in excess of $1000 a MONTH. A new job couldn't cover that much. And unless you are in a position where you have a good chunk of savings, you are screwed should you be in an accident or seriously hurt yourself.
2. Depending on WHY you are on disability, you may not be able to work enough to guarantee covering your ends with just camming. Say you have a condition (like severe arthritis) that fluctuates - you may be able to cam solidly for a week and earn a grand or so, but then it could flare up and you wouldn't be able to work for the rest of the month. Depending on your expenditures, this might not be a risk that you are willing to take.
3. Depending on the state that you are in, you could have issues coming off disability and then trying to go back on. Ridiculous as it may be, many areas will kick up a big 'ol fuss if someone claims disability, then cancels it to cam for a while, then decides that maybe camming isn't right for her (burnout, just not suited, local internet connection turns out to be crap, whatever) - and tries to go back on disability again. She may find it difficult or near impossible to get disability again in the future for the same condition.
In this case, I would cam up to your allowable limit for a while (and try to supplement it with indy work for amazon GC). This will allow you to keep your disability - it won't affect your medical, won't affect your ability to claim in future, but WILL give you a chance to see if camming is right for you, and if you can earn enough to support yourself entirely. If you then decide that you can make a go of it camming full-time, take out medical insurance to cover that aspect of things, and build up some savings before you cancel your disability.
This is an excellent post and very closely describes my case/scenario to a T. Thanks for your recommendations.
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Re: Camming while receiving SS disability?
Actually I really appreciate everyone's input. I'm the type that look for solutions to problems if at all possible, rather then simply accepting the problem.
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Re: Camming while receiving SS disability?
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Originally Posted by
funnymoney
Is there a way to get around that monthly income limit without messing up your disability?
No. They will cut off your disability if they learn you make over the income cap. The sites report that they paid you so you will be found out.