Can you work while waiting on SSDI? This is a question that many individuals find themselves asking when they are applying for Social Security Disability Insurance (SSDI). SSDI is designed to provide financial assistance to individuals who are unable to work due to a disabling condition. However, the process of receiving SSDI benefits can be lengthy, leading to financial strain for those who are waiting. In this article, we will explore whether it is possible to work while waiting for SSDI benefits and the potential implications of doing so.
Understanding SSDI Eligibility
Before discussing whether you can work while waiting on SSDI, it is essential to understand the eligibility criteria for SSDI. To qualify for SSDI, you must have worked and paid Social Security taxes for a certain number of years. Additionally, you must have a medical condition that meets the SSA’s definition of a disability and is expected to last for at least one year or result in death.
Can You Work While Waiting on SSDI?
Yes, you can work while waiting for SSDI benefits, but there are certain restrictions and limitations. The SSA allows for a trial work period, which allows you to test your ability to work without affecting your SSDI benefits. During the trial work period, you can earn up to $1,050 per month in 2021, and you can work as much as you like without losing your benefits. After the trial work period, you are allowed to earn a certain amount of money each month without losing your SSDI benefits, known as the substantial gainful activity (SGA) limit.
However, it is important to note that if your earnings exceed the SGA limit, you may lose your SSDI benefits. The SGA limit for 2021 is $1,310 per month. If you exceed this limit for nine months within a 36-month period, your SSDI benefits may be suspended. Once you have been off SSDI for 24 months, you can reapply and may be eligible for benefits again if you continue to meet the eligibility criteria.
Alternatives to Working While Waiting on SSDI
For those who are unable to work during the waiting period for SSDI, there are alternative options to help alleviate financial strain. These include:
- Financial Assistance Programs: There are various government and non-profit programs that provide financial assistance to individuals in need, such as food stamps, unemployment benefits, and housing assistance.
- Disability Savings Plans: If you have saved money in a disability savings plan, you may be able to access these funds to cover your expenses while waiting for SSDI benefits.
- Family and Friends: Seeking support from family and friends can be a valuable resource during this challenging time.
Conclusion
While you can work while waiting on SSDI, it is crucial to understand the limitations and restrictions set by the SSA. By being aware of your rights and options, you can make informed decisions to ensure your financial stability during the SSDI application process. If you are considering working while waiting for SSDI benefits, it is advisable to consult with a disability attorney or a financial advisor to ensure you are making the best choices for your situation.
