Can you receive SSI disability and still work? This is a common question among individuals who are considering applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits. The answer to this question is both complex and multifaceted, as it depends on various factors such as the type of work, the amount of income earned, and the individual’s overall health condition. In this article, we will explore the relationship between receiving SSI disability benefits and working, providing you with valuable insights to help you make informed decisions.
SSI is a federal program designed to provide financial assistance to individuals who are disabled, blind, or aged and have limited income and resources. Unlike SSDI, which is based on a person’s work history and contributions to the Social Security system, SSI is needs-based and does not require a work history. This means that individuals who have never worked or have limited work history can still qualify for SSI benefits.
When it comes to working while receiving SSI disability benefits, there are specific rules and guidelines that must be followed. The most important factor to consider is the amount of income earned. SSI has a monthly income limit, and any income earned above this limit can affect your eligibility for benefits. The income limit can vary depending on the state, but it generally ranges from $850 to $1,640 per month for an individual.
Another critical aspect to consider is the type of work you are doing. SSI disability benefits are designed for individuals who are unable to engage in substantial gainful activity (SGA). SGA is defined as work that earns more than a certain amount per month, which is currently set at $1,310 for individuals who are not blind and $2,190 for individuals who are blind. If you earn more than these amounts, you may be considered to be engaging in SGA, which could result in a reduction or termination of your SSI benefits.
However, there are exceptions to the SGA rule. For example, if you are working part-time or engaging in a hobby, your income may not count towards the SGA limit. Additionally, there are trial work periods, which allow you to work and earn a certain amount of income without affecting your SSI benefits for a limited time. During the trial work period, you can earn up to $910 per month for nine months in a 60-month period without losing your benefits.
In conclusion, it is possible to receive SSI disability benefits and still work, but it is essential to understand the rules and guidelines surrounding income limits and SGA. By familiarizing yourself with these regulations, you can make informed decisions about your work and benefits. If you are considering applying for SSI disability benefits or have questions about working while receiving these benefits, it is advisable to consult with a Social Security representative or an attorney specializing in disability law.
