Can I Work Full Time and Collect Social Security Disability?
Social Security Disability Insurance (SSDI) is a crucial program designed to provide financial support to individuals who are unable to work due to a medical condition. However, many people with disabilities may wonder if they can continue working full time while still receiving SSDI benefits. In this article, we will explore the rules and regulations surrounding this topic to help you understand the possibilities and limitations.
Understanding SSDI Eligibility
To be eligible for SSDI benefits, an individual must meet certain criteria. Firstly, they must have worked and paid into Social Security taxes for a specific amount of time, known as the work credit requirement. Secondly, they must have a medical condition that meets the definition of disability as outlined by the Social Security Administration (SSA). Lastly, their disability must be expected to last for at least one year or result in death.
Can I Work Full Time and Collect SSDI?
The short answer is no, you cannot work full time and collect SSDI benefits simultaneously. The SSA has strict guidelines regarding work activity while receiving SSDI benefits. If you engage in what is considered “substantial gainful activity” (SGA), which is defined as earning a certain amount of money per month, you may lose your SSDI benefits.
Substantial Gainful Activity (SGA)
The SSA sets the SGA limit annually, and for 2021, the limit is $1,310 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 and work incentives that may allow you to work while still receiving SSDI benefits.
Work Incentives
The SSA offers several work incentives to encourage individuals with disabilities to explore employment opportunities. These incentives include:
1. Trial Work Period: During the first nine months of any 60-month period, you can earn as much as you want without losing your SSDI benefits.
2. Extended Period of Eligibility: After the trial work period, you can still receive SSDI benefits for up to 36 months following the end of the trial work period, as long as your earnings do not exceed the SGA limit.
3. Plan to Achieve Self-Support (PASS): This program allows you to set aside earnings to pursue a business or vocational goal that will eventually enable you to work at a substantial gainful level.
Conclusion
In conclusion, while it is not possible to work full time and collect SSDI benefits simultaneously, there are work incentives and exceptions that may allow you to explore employment opportunities while still receiving some level of SSDI support. It is essential to understand the rules and regulations surrounding SSDI and work activity to make informed decisions about your financial future. Consulting with a Social Security attorney or disability advocate can provide you with personalized guidance and assistance in navigating these complex rules.
