Are you allowed to work while on disability? This is a question that many individuals with disabilities often ask, as they seek to maintain their independence and financial stability. The answer to this question can vary depending on the type of disability, the specific disability benefits program, and the country or region in which you reside. In this article, we will explore the various aspects of working while on disability and provide guidance on how to navigate this complex issue.
Disability benefits programs are designed to provide financial support to individuals who are unable to work due to a physical or mental impairment. These programs aim to ensure that disabled individuals can meet their basic needs without having to rely solely on their own resources. However, many people with disabilities are interested in working part-time or even full-time, as it can offer a sense of purpose, social interaction, and additional income.
In the United States, the Social Security Administration (SSA) administers two primary disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both programs have specific rules regarding work while receiving benefits.
Under SSDI, individuals are allowed to work, but there are strict limitations on the amount of income they can earn. The SSA defines this as the Substantial Gainful Activity (SGA) level. For 2021, the SGA limit for individuals who are not blind is $1,310 per month. If an individual earns more than this amount, they may be considered to be engaging in SGA and could potentially lose their SSDI benefits.
However, SSDI beneficiaries are allowed to work and earn up to $880 per month without any impact on their benefits. This is known as the Trial Work Period (TWP), which allows individuals to test their ability to work without the fear of losing their benefits. If an SSDI beneficiary earns more than $880 per month during the TWP, their benefits will not be affected as long as they remain disabled and their earnings do not exceed the SGA limit.
On the other hand, SSI has different rules regarding work. SSI beneficiaries are allowed to work, but their benefits may be reduced or suspended if their earnings exceed a certain amount. For 2021, the monthly income limit for SSI beneficiaries is $1,260. Additionally, SSI beneficiaries can earn up to $20 per month without any impact on their benefits, known as the earnings exclusion. If their earnings exceed this amount, their SSI benefits will be reduced by $1 for every $2 they earn over the exclusion amount.
It is important for individuals with disabilities who wish to work while receiving disability benefits to consult with a disability attorney or a benefits counselor. These professionals can provide guidance on the specific rules and regulations of their respective programs and help them navigate the complexities of working while on disability.
In conclusion, while it is possible to work while on disability, the rules and regulations surrounding this issue can be complex. Understanding the specific rules of your disability benefits program is crucial to ensure that you can maintain your benefits while also achieving your work goals. By seeking professional advice and staying informed, individuals with disabilities can successfully balance work and disability benefits.
