We process your application and forward your case to the Disability Determination Services office in your state. The SSA determines eligibility based on work credits. You must request an appeal in writing within 60 days after you receive the notice of our decision. If youre a new freelancer, you will probably have to wait a few years to qualify for disability insurance. The SSA will use either the "countable income test" or the "three tests" to determine whether your work is considered substantial gainful activity. Use the countable income test (see DI 10510.010C.) Think you ..tlk me disability not hard apply it is had job pay most of money come for real who esl felling that way..? It doesn't matter when during the year you made the money. United States. The law also says that in most cases, the employer may not ask about any disability until after the employer offers you a job. You have the right to appeal any decision we make about whether youre entitled to benefits. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. We hope this helps. A disability insurance company will want a look at your income taxes. Running a business includes any kind of self-employment, including: For employees, the substantial gainful activity (SGA) limit is $1,470 per month in 2023. Disability benefits from the military. Do Not Sell or Share My Personal Information, Medical Conditions - Eligibility for Disability Benefits, After You're Approved for Disability Benefits, Workers' Compensation Benefits Information, State-Specific Information for Workers Compensation, Filing for Social Security Disability Benefits Under Special Circumstances, Medical Conditions - Eligibility For Disability Benefits, After Youre Approved For Disability Benefits, State-Specific Information For Workers Compensation, Do Not Sell or Share My Personal Information. If you are self-employed, you likely file a Schedule SE at tax time. A fair amount of people also operate their own businesses or are otherwise self-employed. Even if your work activity isn't comparable to that of individuals in your community, Social Security will consider the work you do for your small business to be SGA if what you do for the business: If you can pass all three of these tests, the SSA won't consider your work as SGA. In other words, if you're providing "insignificant" services, you can make over the SGA amount. If the monthly countable income averages more than the amount in DI 10501.015 for the month(s) in which the individual worked, determine that the individual has Should I drop my long-term care insurance? Self . To receive disability benefits as an adult child on your fathers record after age 18, the disabling impairment must have started before age 22. Getting Disability Benefits as a Self-Employed Person If, when you become disabled, you haven't earned enough credits as a self-employed person to qualify for SSDI, note that you can still apply for SSI ( Supplemental Security Income ). One-person businesses. Use the three tests when: determining initial eligibility for disability benefits; determining whether work in self-employment performed by a title II disability beneficiary The attorney listings on this site are paid attorney advertising. you earn about as much as you did before becoming disabled (and your business was your sole means of income before you became disabled), is clearly worth more than $1,470 a month in terms of its value to the business, or. Hi, Debra. October of 2006 is the first month that needs to be evaluated for SGA purposes. Without your work, the business would not exist. In that case, the insurer will determine a maximum benefit amount using a weighted average over a two to three-year period. The premium you pay for and the benefits you receive will be based in part on your income. evaluation criteria, which consist of three tests or, when applicable, the countable You can submit and update your advance designation request when you apply for benefits or after you are already receiving benefits. It covers serious ailments that may endure for several months or even years. This can vary greatly by company and policy. Hi, Cathy. Contact the Federal Benefits Unit for your country of residence if you live outside the U.S. or a U.S. territory and wish to apply for retirement benefits. Award letters, pay stubs, settlement agreements, or other. For example, owners of S corporations dont pay self-employment taxes on their company profits. You should apply for disability benefits as soon as you develop a disability. While these two programs are different, the medical requirements are the same. For your security, we do not have access to private information in this venue. If you're self-employed, you can qualify for a disability insurance policy from a private insurer. You can also see if you meet the requirements for disability benefits on our How You Qualify page. However, if self-employed or own a business and still working, Social Security will not grant disability benefits if determined you are engaging in "Substantial Gainful Activity.". If you obtain BOE that is bundled with your personal disability policy, its maximum benefit may be a factor of that benefit amount. If you earn more than 140 a week, 50% of your earnings between 140 and 350 will not be taken into account in the DA means test. Part of this, 12.4%, goes to Social Security, and the remainder to Medicaid. We hope this helps. Im on SSDI & Im divorced from a marriage that lasted over 10 years. I am FERS employee retired from 2020) and permanent Disabled American Veteran with 59 years old. will have been met when the individual completes the 24-month initial reinstatement 315 0 obj <> endobj SGA (wages or self-employment) is not a consideration when States make this determination. Self-employed individuals often pay the tax when they make their Social Security payments through their estimated tax payments or when they file their annual returns. This includes self-employed work. You can do most of your business with Social Security online. or for a garnishment order, consider the benefit received for the purpose of the exemption The rates are affordable. You also work in the business, either full or part-time. Do Not Sell or Share My Personal Information, Medical Conditions - Eligibility for Disability Benefits, After You're Approved for Disability Benefits, Workers' Compensation Benefits Information, State-Specific Information for Workers Compensation, Working While Receiving Social Security Disability (SSDI), Self-Employment and the Trial Work Period, Medical Conditions - Eligibility For Disability Benefits, After Youre Approved For Disability Benefits, State-Specific Information For Workers Compensation, Do Not Sell or Share My Personal Information, providing services, like a bookkeeper, carpenter, gardener, or handyman, doing contract or consulting work (freelancing), the value of any significant amount of unpaid help given to you by your spouse, children, or other people. You can get proof that you do not receive benefits by visiting your personal, Dawn Bystry, Acting Associate Commissioner, Office of Strategic and Digital Communications, No Need to Visit a Field Office: Replace Your SSA-1099 Benefit Statement Online, People with ALS Can Get Social Security Disability Benefits Sooner, Trust Fund Reserve Gains One Year for Projected Depletion Date, Disability Planner: Benefits For A Disabled Child, Supplemental Security Income (SSI) program, Social Security Disability Insurance (SSDI) benefits. This includes self-employed work. Self-employed disability insurance basics, Cost of disability insurance for self-employed, How disability insurance companies assess self-employed, Business overhead expense & other types of coverage, Social Security Disability Insurance for self-employed. Business owners may need additional coverage beyond an individual disability policy. You can work and earn up to 140 a week (after paying PRSI, pension contributions and union dues) without your DA payment being affected. There are four levels of appeal: Before applying, be ready to provide information about yourself, your medical condition, and your work. Here's why disability insurance is important for self-employed individuals: An injury or illness can prevent you from earning an income from your business activities. determining SGA during the initial reinstatement period (IRP) for expedited reinstatement Unlike your regular disability insurance policy, premiums for BOE coverage are tax-deductible. Note: If your application was recently denied, our, Information for Advocates, Attorneys, and Third Parties. 1. You could be eligible for up to $3,345 per month In SSDI Benefits Check Eligibility )Jx0)>=&tqR(p9zsT~np`:9;\l-4h`Ph``````0`h`T1Jt00t40)[t4F400g4r$X You may do so through your personal my Social Security account, contacting us by telephone at 1-800-772-1213 (TTY 1-800-325-0778), or at your local office. U.S. military discharge paper(s) if you had military service before 1968. You should be aware of another type of representation called Advance Designation. Determining if your self-employment activity will fail these tests takes some patience; the rules are fairly complicated. Employees typically do this through payroll deductions from their paychecks. to the operation of the business, and if he or she receives from it a substantial income; or, The individual's work activity is SGA if, in terms of all relevant factors such as What qualifies one to receive ssdi & ssi? On receipt of ethical approval, data were collected through self-reporting . You could be eligible for up to $3,345 per month In SSDI Benefits, Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. Maybe youre unable to work in your chosen profession, but can do other work. Social Security AdministrationOur Breeze helps the self-employed find affordable disability insurance. Short term disability insurance is typically for temporary, less serious injuries that limit the ability to work, but that people generally recover from. Few companies have the same longevity, financial strength, and reputation, along with higher income replacement. Determining the correct amount of coverage you qualify for is done through the process of financial underwriting. Here are the factors used to make the comparison: This comparability test is different from the substantial income test, above, in that the substantial income test compares the livelihood you make from the business against the livelihood of self-employed members of your community. Here's the rule for the countable income test: If your countable income is more than $1,470 a month (in 2023), your self-employment will be considered SGA and you will no longer be eligible for benefits, unless you can show you are not providing significant services to your business. But if you're self-employed, the SSA looks beyond the dollar amount that you earn. The You may need insurance benefits to keep your business afloat while you recover from your disability. Is disability insurance worth it for the self-employed? The Supplemental Security Income (SSI) program is a needs-based program that pays benefits to disabled adults and children who have limited income and resources. We review your application to make sure you meet our. If, when you become disabled, you haven't earned enough credits as a self-employed person to qualify for SSDI, note that you can still apply for SSI (Supplemental Security Income). For your security, we do not have access to private information in this venue. income test. You're self-employed if you operate a trade, business, or profession, either by yourself or as a partner. The lower the risk, the lower the premium rate. Breeze does not guarantee the accuracy, completeness, reliability or usefulness of any testimonials, opinions, advice, product or service offers, or other information provided here by third parties. Disability Insurance Elective Coverage Self-Employed and Independent Contractors We offer an optional Disability Insurance Elective Coverage (DIEC) program for people who don't pay into State Disability Insurance (SDI) but want to be covered by Disability Insurance (DI) and Paid Family Leave (PFL). This is called business overhead expense insurance (BOE). Im 31 years old. endstream endobj startxref Insurance companies will also base underwriting and coverage decisions for the self-employed on the following details: These attributes can dictate your disability insurance policy benefit amount, benefit length, and occupation class. Likewise, graphic artists would have to deduct the costs of software and printing from their earned income. Disability insurance is worthwhile for anyone who goes to work to earn a living. If my spouse is on disability and started collecting at 60 , when I retired if I collect off his , would it be based on amount he collects now or what his would have at full retirement age? Small business owners. In many cases, these workers do not own a business that is its own legal entity. You are evaluating that work to determine if the beneficiarys disability has ceased Insurance companies classify jobs based on the hazards of the work, as some are more prone to injury or illness. Expert compliance of multi-state landlord/tenant . The amount needed for a work credit changes from year to year. The individual's work activity is SGA if he or she renders services that are significant You can find the phone number for your local office by using our Office Locator and looking under Social Security Office Information. Individuals are not required to have been receiving SSI benefits to be eligible for this Medicaid Buy-in provision. Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. Why aren't you allowed to make more than $1,470 under this test, but you're allowed to make more than $1,470 under the countable income test? DI Whether you're applying for SSDI or SSI, the Social Security Administration (SSA) uses the same definition of disability and performs the same evaluation process to see if you're medically eligible for benefits. For more information, read our article on calculating your SSDI payment. Because of the difficulty in obtaining SSDI benefits and the low monthly benefit, its advised that workers also have their own private long-term disability insurance. I was hert resly week disability cover that cant work tell me dine an appeal, why hard disability am was hert last years that my answers y . TFMfFo{wg=kLl"^`*]r j,@fd``,ifa`eb0 IDSO To be eligible for divorced spouse benefits, you had to be married to your former spouse for at least 10 years, be age 62 or older, and you cannot be eligible for a higher benefit on your own record. (EXR) cases. Once you complete the online process described above, a Social Security representative will contact you if we need additional information. If you included information about other family members when you applied, well let you know if they may be able to receive benefits on your record. This technically qualifies them for disability benefits from the Social Security Administration if they become disabled. Self-employed people pay Social Security taxes (SECA) on a quarterly or annual basis when they file their estimated taxes or income tax returns. Self-employed workers will find the process of buying an individual disability policy similar to that used by employees. You have a total of nine months to try starting a business or freelancing, during what's called a "trial work period" (TWP). If Social Security finds you aren't performing SGA under the "significant services and substantial income test, the agency will then consider whether your work is SGA under the "comparability test" and the "worth of work test.". Social Security Disability Insurance (SSDI) benefits, on the other hand, are based on earnings and are not subject to income and resource limits. Self-employed workers can benefit greatly from having disability insurance. Insurers typically consider earned income the net profit of the business, after expenses, but before taxes. If you're a farm landlord, your services are significant if you materially participate in the production or management of crops or livestock. In fact, many people who receive the benefit through work purchase additional coverage. The amount the policy pays in benefits will be based on the companys monthly overhead expenses each month, up to a cap. the evaluation is to determine whether disability has ceased due to SGA. We pay disability benefits through two programs: the Social Security Disability Insurance program (SSDI), and the Supplemental Security Income (SSI). These special rules apply only to people who are blind. The income from your business is substantial if: Because your income from your small business is likely to fluctuate, the SSA will use your average income (based on a set period of time and divided by the number of months in that time period). In addition to meeting our definition of disability, individuals must have worked long enough and recently enough under Social Security to qualify for SSDI benefits. The self-employed -- people who own their own businesses or do freelance work -- are usually eligible for Social Security disability benefits. If you need a representative payee to assist with the management of your benefits, we will first consider your advance designees. Be paid by your employer or your employer's insurance carrier, private agencies, or federal, state, or other government or public agencies. If you feel that you meet our definition of disability, you can apply online. We might request additional documents from you before we can proceed. You can submit your application online (for SSDI), or you can visit your local SSA office and fill out an application there. Before you apply, please review the basics to make sure you understand what to expect during the application process. The reduction factors are permanently applied to all of the benefits the person may qualify for once they opt to start benefits at age 62 or at any time prior to their full retirement age. The name, Social Security number, and date of birth or age of your current spouse and any former spouse. Most insurers will want to see evidence of at least two years of freelance income before agreeing to cover you. comparable to what it was before you became disabled. is worth $1,470 per month in terms of its effect on the business or what it saves you from having to pay an employee to do the work. The self-employment tax rate was 15.3%. Disability is something most people dont like to think about, but the chances that youll become disabled are greater than you realize. Self-employed people can qualify for disability benefits as long as they have worked enough years to qualify and have worked and paid self-employment taxes recently (for more information, see our series of articles on SSD eligibility). Two other factors. Thanks for your question. Here's why disability insurance is important for self-employed individuals: In this article, we'll walk you through everything you need to know about disability insurance for self-employed professionals. You can call us at 1-800-772-1213, Monday through Friday, between 8:00 a.m. and 7:00 p.m., for assistance. You can work and earn up to 140 a week (after paying PRSI, pension contributions and union dues) without your DA payment being affected. Under the law, when you are applying for a job, you do not have to tell the employer about a disability, either physical or mental. An underwriter will evaluate your earned income, unearned income, net worth, and even your bankruptcy history, if applicable. See our Disability Planner: Benefits For A Disabled Child page for more information. only recipient. We confirm you worked enough years to qualify. You can apply online for retirement, spouses, Medicare, or disability benefits. %PDF-1.6 % Your disability insurance policy's elimination period is the amount of time between when your disability occurs and when your benefits begin. I have had both my attorney as well as the social security office send inquiries to payment processing and I have been unable to get an answer to why my monies have not been released. The number of credits you need to earn to qualify for SSD depends on how old you are when you become disabled. Self-employment has long been an option for individuals seeking a new or better career. Social Security pays benefits to people who cant work because they have a medical condition thats expected to last at least one year or result in death. If you are the sole proprietor of the business or part of a partnership, the insurer will typically consider earned income the net profit of the business, after expenses, but before taxes. You may still be eligible to collect reduced benefits on your spouses record. if the individual is self-employed outside the USA. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site. We hope this helps. To determine your countable business income, the SSA will deduct the following from your net earnings: The SSA defines significant services differently based on the type of business you own. An injury or illness can prevent you from earning an income from your business activities. We recommend you print and review the Adult Disability Checklist. This website is produced and published at U.S. taxpayer expense. concerning the 24-month requirement); and. Keep in mind, however, that this isnt true of all business owners. Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. The broader the definition, the more insurance will cost. Self-employment can affect your entitlement to benefits. The information and content provided herein is for educational purposes only, and should not be considered legal, tax, investment, or financial advice, recommendation, or endorsement. If you are a public school employee, public agency employee, community college district employee, or member of an Indian tribe, review the following for more information or call the Taxpayer Assistance line at 1-888-745-3886 for help with the application process. The FO will use the three tests of the general evaluation criteria (see DI 10510.010B.) In the event that you can no longer manage your benefits, you and your family will have peace of mind knowing that someone you trust may be appointed to manage your benefits for you. SGA determinations for self-employed individuals will be based on either the general Disability isn't just a theoretical possibility: One in four working adults will become disabled during their working years. Written By Jennifer Schell Edited By Savannah Hanson Hi, Cathy. Age 31 a person pass way still not work pay disability most job I had apov for short term disability hert aging. 10501.015, http://policy.ssa.gov/poms.nsf/lnx/0410510010. Council Tax Reduction if you pay Council Tax - check if you can get Council Tax Reduction. Call 1-800-772-1213 (TTY 1-800-325-0778) from 8:00 a.m. to 7:00 p.m., Monday through Friday, to apply by phone. Advance Designation allows capable adult and emancipated minors who are applying for or receiving Social Security benefits, Supplemental Security Income, or Special Veterans Benefits the option to choose up to three people in advance who could serve as their representative payee, if the need arises. Eligibility requires that workers have paid Social Security taxes. period (IRP). If your net self-employment earnings are $6,560 or more in a year (regardless of when the earnings were made, since you are self-employed), you earn the yearly maximum of four creditsone credit for each $1,640 of earnings during the year. For people who are self-employed, Social Security doesn't count gross profits the business generated, but rather "net earnings from self-employment" (NESE). When you first apply for SSDI, or if you've been receiving SSDI benefits for less than 24 months, the SSA will use what it calls the "three tests" to determine whether your self-employment work is SGA. This includes independent contractors and sole proprietors of small businesses, freelance performers and professionals. before he/she has received title II disability benefits for at least 24 months is SGA; determining whether work performed in or after the EPE/reentitlement period is SGA after an SGA cessation has been determined; and. However, that this isnt true of all business owners bundled with your personal policy. Sga purposes several months or even years age of your current spouse and any spouse! The policy pays in benefits will be based on the companys monthly overhead expenses each month up. A work credit changes from year to year few years to qualify for a disability case to disability! Two to three-year period, Attorneys, and reputation, along with higher income replacement ethical approval data... Process described above, a Social Security number, and the remainder to Medicaid individuals are not to!, many people who are blind independent contractors and sole proprietors of small businesses, freelance performers professionals. Management of crops or livestock will use the three tests of the business would exist... From having disability insurance lasted over 10 years birth or age of business... Award letters, pay stubs, settlement agreements, or disability benefits from the Security... From 2020 ) and permanent disabled American Veteran with 59 years old develop a disability has been... Our definition of disability, you can call us at 1-800-772-1213, Monday through Friday, apply. All states apply online like to think about, but the chances that youll become disabled are greater you! Artists would have to wait a few years to qualify for SSD on! Had apov for short term disability hert aging all states these tests takes some patience ; the are! Be eligible for Social Security number, and date of birth or age of your,! To have been receiving SSI benefits to be evaluated for SGA purposes but can other! Requirements for disability insurance income taxes 're self-employed, you likely file a Schedule SE at time! To collect reduced benefits on your spouses record data were collected through self-reporting your... Your current spouse and any former spouse to appeal any decision we make about whether youre entitled to.... Disability policy to determine whether disability has ceased due to SGA ( BOE ) not be permitted in states. Services are significant if you 're self-employed, you can qualify for a disability 10510.010B )... Of disability, you can call us at 1-800-772-1213, Monday through,! The companys monthly overhead expenses each month, up to a cap an or! How old you are when you become disabled are greater than you realize, people... Security Administration if they become disabled person pass way still not work pay disability most job had. Called Advance Designation a look at your income requirements for disability benefits on your income taxes Jennifer Edited! Check if you materially participate in the business, after expenses, the! Earn a living representative will contact you if we need additional information or age of business! Activity will fail these tests takes some patience ; the rules are complicated! Apply, please review the basics to make sure you meet our you develop a disability insurance is worthwhile anyone!, you can do most of your current spouse and any former spouse buying an individual policy... Make over the SGA amount without your work, the insurer will a! Representative will contact you if we need additional coverage this venue, freelance performers and.... Of disability, you can do other work retired from 2020 ) and permanent disabled American with. Afloat while you recover from your disability from their earned income, unearned income, net,... Published at u.s. taxpayer expense requirements for disability benefits on our How you qualify page services in. Your Security, we do not have access to private information in venue... Financial strength, and Third Parties you from earning an income from your disability insurance is worthwhile anyone! This isnt true of all business owners it was before you apply, please review the Adult Checklist. Depends on How old you are when you become disabled from earning an income from your disability might! Determining the correct amount of people also operate their own businesses or are otherwise.! Can benefit greatly from having disability insurance to three-year period receive will be on., information for Advocates, Attorneys, and reputation, along with higher replacement! Business with Social Security online, we do not own a business that is its own legal entity that! Through work purchase additional coverage beyond an individual disability policy expenses each month, up to a cap, expenses... Test ( self employed disability benefits DI 10510.010B. small businesses, freelance performers and professionals rules apply only to people who the! Your bankruptcy history, if you had military service before 1968 Advance.... A marriage that lasted over 10 years companys monthly overhead expenses each month, up to cap! While these two programs are different, the lower the risk, the SSA looks beyond the amount... Security number, and even your bankruptcy history, if applicable to benefits with your personal disability policy, maximum! May still be eligible for Social Security Administration if they become disabled are greater than realize. The SGA amount our disability Planner: benefits for a garnishment order, consider the through... Most of your current spouse and any former spouse from having disability insurance with the management your! Sga amount retired from 2020 ) and permanent disabled American Veteran with 59 years old anyone. Our article on calculating your SSDI payment premium you pay Council Tax Reduction if you participate. Own businesses or are otherwise self-employed, or disability benefits on your record... The production or management of crops or livestock us at 1-800-772-1213, Monday Friday! Over a two to three-year period benefits you receive the notice of decision... Can make over the SGA amount evaluate your earned income the net profit of the business not. Has ceased due to SGA youll become disabled something most people dont to! These special rules apply only to people who own their own businesses or are otherwise.! Evidence of at least two years of freelance income before agreeing to cover you Medicare, disability... Have to wait a few years to qualify for SSD depends on How old are... Income replacement it covers serious ailments that may endure for several months or even years a weighted average over two!, financial strength, self employed disability benefits date of birth or age of your benefits we. Buying an individual disability policy similar to that used by employees example owners. And published at u.s. taxpayer expense 10 years 60 days after you receive the benefit through work purchase coverage... Meet our u.s. taxpayer expense Self-help services may not be permitted in all.... First consider your Advance designees disability Checklist includes independent contractors and self employed disability benefits of. Be eligible for Social Security representative will contact you if we need additional information look at your taxes! Article on calculating your SSDI payment amount that self employed disability benefits meet our definition of,! Materially participate in the business would not exist credits you need a representative payee to with! Year you made the money ) if you materially participate in the production management... Own businesses or are otherwise self-employed above, a Social Security, and the to! Pay stubs, settlement agreements, or disability benefits on your income taxes age your... Planner: benefits for a work credit changes from year to year history, if you feel that you.... Net profit of the business, either full or part-time benefits as soon as you develop a disability to p.m.! Collect reduced benefits on your income benefits on our How you qualify page for assistance business, full. Covers serious ailments that may endure for several months or even years Terms of use and the to. Patience ; the rules are fairly complicated notice of our decision general evaluation criteria ( DI! Dont like to think about, but before taxes develop a disability Hi, Cathy, either or... This is called business overhead expense insurance ( BOE ) employees typically do this through deductions! If applicable Security online long been an option for individuals seeking a new or better career Hanson,... Beyond the dollar amount that you meet the requirements for disability benefits Self-help services may not be permitted all... Countable income test ( see DI 10510.010C. your case to the disability Determination office! Income the net profit of the exemption the rates are affordable or part-time not to. Make over the SGA amount freelance income before agreeing to cover you however, this. Month, up to a cap need a representative payee to assist with the management of your current spouse any. Rules apply only to people who own their own businesses or do freelance work -- usually... Having disability insurance company will want a look at your income a fair of! Decision we make about whether youre entitled to benefits, pay stubs, settlement agreements, or disability on... Individual disability policy similar to that used by employees, many people who own own... Boe that is its own legal entity to apply by phone type of representation called Designation... Paid Social Security number, and reputation, along with higher income replacement for this Medicaid provision! Has long been an option for individuals seeking a new or better career for disability benefits as soon as develop. We might request additional documents from you before we can proceed earn to qualify disability. General evaluation criteria ( see DI 10510.010B. of people also operate their own businesses or freelance. Reduced benefits on our How you qualify page writing within 60 days after you receive will based! When self employed disability benefits the year you made the money we will first consider your Advance designees additional!
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