Can you receive SSDI and work? 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 disabling condition. However, many people with disabilities are still interested in maintaining employment, either part-time or full-time. This article explores the relationship between SSDI benefits and working, and provides guidance on how individuals can navigate this complex situation.
Understanding SSDI Benefits
Social Security Disability Insurance is a federal program that provides monthly cash benefits to individuals who have worked and paid into the Social Security system. To be eligible for SSDI, an individual must have a medical condition that is expected to last at least one year or result in death, and they must have worked a certain number of years in jobs covered by Social Security. The amount of SSDI benefits received is based on the individual’s earnings history.
Can You Receive SSDI and Work?
Yes, you can receive SSDI benefits while working, but there are certain restrictions and limitations. The Social Security Administration (SSA) has established a trial work period, which allows individuals to test their ability to work without losing their SSDI benefits. During the trial work period, which lasts for nine months, an individual can earn up to $940 per month in 2021. If the individual’s earnings exceed this amount, they may still receive SSDI benefits for the first three months of the month in which the earnings were received.
Subsequent Months and Earnings Limits
After the trial work period, SSDI benefits are subject to an earnings limit. In 2021, the limit is $1,640 per month. If an individual’s earnings exceed this amount, their SSDI benefits will be reduced by $1 for every $2 they earn over the limit. It’s important to note that this earnings limit is adjusted annually, so it’s essential to stay informed about the current year’s limit.
Exempt Work and SSDI Benefits
There are certain types of work that may not affect SSDI benefits. For example, work performed while volunteering, performing household chores, or engaging in activities that do not contribute to earning a profit or income is generally considered exempt. Additionally, if an individual’s work is considered “substantial gainful activity” (SGA), it may impact their SSDI benefits. SGA is defined as work that earns more than a certain amount per month, which is also adjusted annually.
Seeking Professional Advice
Navigating the relationship between SSDI benefits and working can be challenging. It’s important to seek professional advice from a Social Security attorney or a disability advocate to ensure that you understand the rules and regulations regarding SSDI and work. They can help you determine the best course of action for your situation and ensure that you receive the benefits you deserve.
Conclusion
In conclusion, it is possible to receive SSDI benefits while working, but it’s essential to understand the rules and limitations set by the SSA. By staying informed and seeking professional advice, individuals with disabilities can maintain their financial stability while exploring their work options. Remember, the goal of SSDI is to provide support to those who are unable to work, but it’s also important to consider the potential benefits of employment.
