Hi Spyke,
Since you get SSDI, you may take advantage of what I believe is a little known or used work incentive program called “impairment related work expenses” to pay your assistant. If you work to earn income and you have an expense (say, the cost of a home assistant or out-of-pocket bills you pay for drugs, doctors, dialysis, hospitals, etc.) in the month you earn that income, SSA can deduct those “impairment related expenses” that allow you to be able to work from your earned income before deciding whether you earned too much to your full disability check.
Example:
You get 9 months to attempt work without risking your SSDI check. You don’t use any of your 9 trial work period (TWP) months in 2005 if your gross income is less than $590 a month.
After you’ve used all 9 trial work months you can have a gross income of $830 a month in 2005 before Social Security can stop your SSDI check. This amount is called “substantial gainful activity (SGA).” It goes up every year.
Social Security can count expenses you pay in a month you worked as “impairment related work expenses (IRWE)” if you wouldn’t be able to work without spending the money on those things. Some things that could be counted include what you actually pay out-of-pocket for drugs, medical expenses, equipment, or a helper for home dialysis that keeps you healthier and frees your days for work.
Spyke pays Mary, another student (or someone with a disability or someone trying to get off welfare), $10 an hour to be his home dialysis helper 5 days a week for 2.5 hours a day. Mary earns $125 a week or $500 a month. If these expenses are approved by SSA as IRWE. Spyke can make $829 + $600 from work and keep getting his full SSDI check. He can make more if he has to pay other expenses out of his pocket for his kidney disease.
If Mary gets SSDI and makes $500, this is less than the $590 that would use a month of trial work. Mary still has all 9 trial work months and gets her full SSDI check plus $500 (or what’s left after taxes) to spend on things that she wants or needs to buy.
Both Mary and Spyke have added disposable income to enjoy life a little more.
This example doesn’t include any tax withholding for Mary which may be Spyke’s responsibility – or not. Spyke, if you’re interested in this, you should talk with your tax advisor or the IRS about this scenario and whether Mary would be considered your “employee.”