I can tell you this, if your earnings were decreased the last few years it will have a big impact on your monthly check. A friend of mine filed and his earnings had decreased the last 2 yrs he worked and it really hurt him. Had he been making his regular income his monthly check would have been much more. Your statement is not going to be correct that you have since all of your earnings are not counted on it.
Medicare has what is called a "Ticket to work program" for the disabled. You can go to SS.gov its their actual website and read about the ticket to work program. Personally, I got a letter about it, it is a voluntary thing and there is no way in hell I would have ever considered it even if I could. Why? Because I know how hard it can be to get SSD and there is no way I am willing to send up any red flags on my claim to give them an opportunity to ever stop my benefits. You need to rethink this real hard. I am sure there are limits set out by SS on how long you can work before they cut off the benefits. For someone disabled and in it for the long haul, I say if you are getting benefits why rock the boat. I just know how hard it can be for folks trying to get approved.
If I ever were able to go back to work it will be in the field I worked in because I made very good money. Heck of a lot more than SS is paying, although I am thankful for what I get. In essence the more you make the more you get up to their cap. A couple of years ago the cap was around $2275 amonth.
Jag, if you have a list of your actual earnings go to the SS website I gave you above, they have a calculator and you can put in your earnings and get a very good idea how much your monthly check should be. I have a question, did you apply online or over the phone. I applied over the phone and was told in advance how much I would get a month. They also have a FAQ section that is real good.
If you & your husband's income is $32,000 a year or more you have to pay tax on your SSD. Single is $25,000 or more. Uncle Sam still haunts even disabled, lol. I am still sending out a little prayer evey night it all does well for you. Like I said I am encouraged they are still reviewing the medical.