Can you work when receiving Social Security Disability? This is a question that many individuals with disabilities often ask themselves. The answer to this question can vary depending on the specific circumstances of each person. In this article, we will explore the various factors that come into play when considering whether someone can work while receiving Social Security Disability benefits.
Social Security Disability (SSD) is a federal program designed to provide financial assistance to individuals who are unable to work due to a medical condition that is expected to last at least one year or result in death. To qualify for SSD benefits, a person must meet certain criteria, including having a medical condition that meets the definition of disability as outlined by the Social Security Administration (SSA).
Can you work while receiving SSD benefits?
Yes, you can work while receiving SSD benefits, but there are certain limitations and rules to follow. The SSA has a program called “Substantial Gainful Activity” (SGA), which defines the amount of income and work a person with a disability can earn while still receiving SSD benefits. The SGA limit for 2023 is $1,350 per month for most individuals. If your income exceeds this amount, you may lose your SSD benefits.
Understanding the trial work period
The SSA allows individuals receiving SSD benefits to work for a trial period without losing their benefits. This trial work period lasts for nine months within a 60-month period. During this time, you can earn as much as you want without affecting your SSD benefits. However, once you exceed the SGA limit for three months during the trial work period, your SSD benefits may be suspended.
Transitioning to SSDI
After the trial work period, if your medical condition still prevents you from working, you may be eligible to transition to Social Security Disability Insurance (SSDI). SSDI is another federal program that provides benefits to individuals who have worked and paid into the Social Security system. To qualify for SSDI, you must meet the same disability criteria as for SSD benefits but also have a certain number of work credits.
Considerations for working part-time
If you have a disability but still want to work, you may be able to work part-time while receiving SSD benefits. The SSA allows for a partial work allowance, which allows you to earn up to a certain amount of income each month without affecting your benefits. The partial work allowance limit for 2023 is $880 per month.
Seeking professional advice
Navigating the rules and regulations surrounding SSD benefits and work can be complex. It is essential to seek professional advice from a disability attorney or a SSA representative to understand your rights and options. They can help you determine whether working while receiving SSD benefits is possible and provide guidance on how to do so without losing your benefits.
In conclusion, while it is possible to work while receiving Social Security Disability benefits, there are specific rules and limitations to consider. Understanding these rules and seeking professional advice can help individuals with disabilities make informed decisions about their work and benefits.
