Can I Work While Waiting for Disability?
Navigating the process of applying for disability benefits can be a challenging and lengthy experience. Many individuals who are unable to work due to a medical condition often find themselves in a financial bind, wondering if they can continue to earn a living while waiting for their benefits to be approved. The answer to this question depends on various factors, including the type of disability, the specific regulations of the disability program, and the individual’s personal circumstances.
Understanding the Regulations
The first step in determining whether you can work while waiting for disability benefits is to understand the regulations of the specific program you are applying for. In the United States, for example, the Social Security Administration (SSA) administers two main disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Each program has its own set of rules regarding work while waiting for benefits.
SSDI Work Rules
For SSDI, the SSA allows individuals to work while they are waiting for their benefits, but there are strict guidelines in place. Under SSDI, you can earn up to $1,310 per month in 2021 without affecting your eligibility for benefits. This amount is adjusted annually. If you earn more than this limit, your benefits may be suspended, but you can still appeal the decision if you believe you are capable of working at a lower level.
SSI Work Rules
SSI has more stringent work rules. Under SSI, you can only earn a certain amount of money each month before your benefits are reduced or suspended. In 2021, this limit is $85 per month for an individual. If you earn more than this amount, your SSI benefits may be reduced accordingly.
Exempt Work
It’s important to note that not all work is considered when determining your eligibility for disability benefits. For SSDI, certain types of work, such as volunteer work or work that does not exceed the substantial gainful activity (SGA) level, may not affect your benefits. The SGA level is currently set at $1,310 per month for 2021.
Personal Circumstances
In addition to the program-specific rules, your personal circumstances can also impact your ability to work while waiting for disability benefits. If you have a medical condition that severely limits your ability to work, you may be able to work part-time or in a modified capacity without affecting your benefits. However, it’s essential to consult with a medical professional to ensure that your work does not exacerbate your condition.
Conclusion
In conclusion, the answer to the question “Can I work while waiting for disability?” depends on the specific program, your earnings, and your personal circumstances. It’s crucial to understand the regulations and consult with a disability attorney or advocate to ensure that you are making informed decisions. While it is possible to work while waiting for disability benefits, it’s important to balance your financial needs with your health and well-being.
