Can I Work and Receive Social Security Disability Benefits?
Navigating the complex world of Social Security Disability Insurance (SSDI) can be challenging, especially when considering the possibility of working while receiving these benefits. Many individuals with disabilities often wonder if they can continue to work and still receive their SSDI benefits. The answer lies in understanding the rules and regulations set forth by the Social Security Administration (SSA).
Understanding SSDI Benefits
SSDI is a federal insurance program designed to provide financial support to individuals who are unable to work due to a severe and long-term disability. To qualify for SSDI, an individual must have paid into the Social Security system through payroll taxes and meet certain criteria, such as having a disabling condition that is expected to last at least one year or result in death.
Earning Limits and Work
One of the most common questions regarding SSDI is whether individuals can work while receiving benefits. The answer is yes, but there are certain limits on the amount of income one can earn. The SSA uses a formula called the Substantial Gainful Activity (SGA) limit to determine if a person’s earnings will affect their SSDI benefits.
SGA Limit and SSDI Benefits
As of 2021, the SGA limit for non-blind individuals is $1,310 per month. If an SSDI recipient earns more than this amount, their benefits may be reduced or suspended. However, the SGA limit for blind individuals is $2,190 per month. It is important to note that this limit can change each year, so it is crucial to stay informed about the current figures.
Work Incentives for SSDI Beneficiaries
The SSA offers several work incentives to encourage SSDI beneficiaries to re-enter the workforce without losing their benefits. These incentives include:
1. Trial Work Period: The first nine months in a 60-month period during which a disabled individual can work and earn as much as they want without affecting their SSDI benefits.
2. Extended Period of Eligibility: After the trial work period, the individual has 36 months to earn an amount that exceeds the SGA limit without losing their benefits.
3. Expedited Reinstatement: If a disabled individual returns to work and then becomes disabled again, they may be eligible for expedited reinstatement of their SSDI benefits.
Seeking Professional Advice
Understanding the intricacies of SSDI and work incentives can be overwhelming. It is advisable to seek the help of a professional, such as a Social Security disability attorney or a financial advisor, to ensure that you are making informed decisions regarding your SSDI benefits and work opportunities.
In conclusion, it is possible to work and receive Social Security Disability Benefits, but it is essential to understand the rules and regulations in place. By staying informed and seeking professional advice, individuals with disabilities can find a balance between working and maintaining their SSDI benefits.
