Can I Work While Waiting for SSDI?
Receiving Social Security Disability Insurance (SSDI) benefits can be a lengthy process, often taking several months to finalize. During this waiting period, many individuals find themselves in a financial bind, wondering if they can work while waiting for SSDI. The answer to this question is not straightforward and depends on several factors, including the individual’s specific circumstances and the regulations set forth by the Social Security Administration (SSA).
Under the SSDI program, individuals are eligible to receive benefits if they have worked and paid into the Social Security system for a certain number of years and have a medical condition that is expected to last at least one year or result in death. However, the SSA has specific rules regarding work while waiting for SSDI benefits.
One of the key factors to consider is the trial work period (TWP). The TWP allows individuals to work for a certain period without affecting their SSDI benefits. The TWP consists of nine months within a 60-month period, during which individuals can earn up to $1,310 per month in 2021. After the TWP, individuals are subject to a monthly earnings limit of $2,190 in 2021. If their earnings exceed this limit, their SSDI benefits may be suspended, but they can still receive benefits if they remain disabled.
Another important consideration is the extended period of eligibility (EPE). After the TWP, individuals have an EPE, during which they can still receive SSDI benefits even if their earnings exceed the monthly limit. The EPE typically lasts for 36 months following the end of the TWP. During this time, individuals must report their earnings to the SSA to ensure they continue to receive their benefits.
It is crucial for individuals to understand that working while waiting for SSDI can have significant implications on their benefits. If an individual’s earnings exceed the monthly limit during the TWP or EPE, their SSDI benefits may be suspended or terminated. However, if they remain disabled, they may still be eligible for SSDI benefits once their earnings fall below the monthly limit.
In conclusion, individuals can work while waiting for SSDI, but they must adhere to the SSA’s rules and regulations regarding the trial work period and extended period of eligibility. It is advisable for individuals to consult with a Social Security attorney or representative to ensure they understand the implications of working during the SSDI application process and to navigate the complexities of the program effectively.
