Can you work and collect SSDI? This is a common question among individuals who are eligible for Social Security Disability Insurance (SSDI) benefits. SSDI is designed to provide financial support to individuals who are unable to work due to a disability. However, the answer to this question is not straightforward and depends on various factors. In this article, we will explore the conditions under which you can work while collecting SSDI benefits.
Firstly, it is important to understand that SSDI benefits are designed for individuals who are unable to engage in substantial gainful activity (SGA) due to a disabling condition. The Social Security Administration (SSA) defines SGA as earning more than a certain amount per month, which is adjusted annually. For 2023, the SGA limit is $1,350 per month for most individuals. If you earn more than this amount, you may be considered to be engaging in SGA and could potentially lose your SSDI benefits.
However, there are exceptions to this rule. The Trial Work Period (TWP) allows individuals to work and earn income without affecting their SSDI benefits for a certain period. The TWP lasts for nine months, and during this time, you can earn as much as you want without any impact on your benefits. After the TWP, there is a 36-month period known as the Extended Period of Eligibility (EPE), during which you can still receive SSDI benefits even if you earn more than the SGA limit. During the EPE, your benefits will be reduced based on your earnings, but you will not lose your eligibility.
Another important factor to consider is the Medical Improvement Review (MIR). If your disability is expected to improve, the SSA may conduct a MIR to determine if you are still eligible for SSDI benefits. If your condition improves and you are able to work, your benefits may be terminated. However, if your condition does not improve, you can continue to receive SSDI benefits.
In addition to the TWP and MIR, there are other programs that may allow you to work while collecting SSDI benefits. For example, the Plan to Achieve Self-Support (PASS) program allows individuals to set aside income and resources to start, maintain, or improve a business or return to work in another occupation. If you participate in PASS, you can earn as much as you want without affecting your SSDI benefits.
In conclusion, while it is possible to work and collect SSDI benefits, there are certain conditions and limitations that must be met. Understanding the rules and regulations surrounding SSDI can help you make informed decisions about your work and benefits. If you have questions or concerns about your SSDI eligibility while working, it is advisable to consult with a Social Security attorney or a disability advocate.
