Can I Work and Collect SSI Disability?
Navigating the complexities of Social Security benefits can be challenging, especially when considering the possibility of working while receiving Supplemental Security Income (SSI) disability benefits. Many individuals with disabilities are eager to re-enter the workforce, but they often wonder if it’s possible to work and still collect SSI disability benefits. In this article, we will explore the rules surrounding this issue and provide guidance to help you make informed decisions about your financial future.
Understanding SSI Disability Benefits
SSI is a federal program designed to provide financial assistance to individuals with disabilities who have limited income and resources. To qualify for SSI, applicants must meet strict eligibility requirements, including being disabled, having limited income, and having limited assets. The disability must be expected to last at least 12 months or result in death.
Can I Work and Collect SSI Disability?
Yes, you can work and collect SSI disability benefits, but there are specific rules and guidelines you must follow. The key factor is your income and resources. The Social Security Administration (SSA) considers your earnings and other income sources when determining whether you are eligible for SSI benefits.
Earnings Limitations
SSI has an earnings limit known as the Substantial Gainful Activity (SGA) limit. For 2021, the SGA limit is $1,310 per month for individuals who are blind and $1,260 per month for individuals who are not blind. If your earnings exceed these limits, you may lose your SSI benefits.
Exempt Earnings
Some earnings are exempt from the SGA limit, allowing you to work while still receiving SSI benefits. These exempt earnings include:
– Work training or rehabilitation services
– Voluntary work at a sheltered workshop
– Work performed by a severely disabled individual under a state vocational rehabilitation program
Blind Work Expenses
If you are blind, you may also be eligible for a Blind Work Expense deduction, which can help reduce your earnings and prevent you from exceeding the SGA limit.
Reporting Work Earnings
It is crucial to report your work earnings to the SSA accurately and promptly. Failure to do so may result in the suspension or termination of your SSI benefits.
Transitioning to Regular Social Security Benefits
As your income increases, you may eventually transition from SSI to regular Social Security benefits. This can happen when you reach the age of 18 or if your earnings exceed the SGA limit for a continuous 9-month period.
Conclusion
While it is possible to work and collect SSI disability benefits, it’s essential to understand the rules and limitations set by the SSA. By familiarizing yourself with these guidelines, you can make informed decisions about your financial future and ensure that you remain eligible for the benefits you need. Always consult with a Social Security expert or an attorney to help you navigate the complexities of SSI disability benefits and work.
