Can you still work if you receive SSDI? This is a common question among individuals who have been approved for Social Security Disability Insurance (SSDI) benefits. SSDI is designed to provide financial support to individuals who are unable to work due to a disability. However, the rules surrounding work and SSDI benefits can be complex. In this article, we will explore the guidelines and restrictions that apply to working while receiving SSDI benefits.
Social Security Disability Insurance (SSDI) is a federal program that provides monthly cash benefits to individuals who have worked and paid into the Social Security system. These benefits are meant to replace a portion of the individual’s income if they are unable to work due to a disabling condition that is expected to last at least one year or result in death. While SSDI benefits are intended to help individuals with disabilities maintain their financial stability, the program also has strict rules regarding work.
Work restrictions and trial work period
One of the key aspects of SSDI is the trial work period. During the trial work period, which lasts for nine months within a 60-month period, SSDI beneficiaries can earn up to $1,310 per month (as of 2021) without affecting their SSDI benefits. This allows individuals to test their ability to work and potentially return to the workforce without losing their benefits.
After the trial work period, SSDI beneficiaries are subject to the substantial gainful activity (SGA) limit. This limit is adjusted annually and varies based on the year in which the individual is applying for SSDI benefits. For 2021, the SGA limit is $1,310 per month. If an SSDI beneficiary earns more than this amount in a month, their benefits may be suspended or terminated.
Exemptions and exceptions
There are certain exemptions and exceptions that may allow SSDI beneficiaries to work while still receiving benefits. For example, if an individual’s earnings are due to a special circumstance, such as a one-time bonus or a short-term assignment, their SSDI benefits may not be affected. Additionally, individuals who are working part-time or volunteering may still be eligible for SSDI benefits, as long as their earnings do not exceed the SGA limit.
It’s important to note that SSDI benefits are not affected by any other forms of income, such as unemployment benefits, workers’ compensation, or Supplemental Security Income (SSI) benefits. However, SSDI benefits may be reduced if the individual is receiving other forms of government assistance, such as food stamps or Medicaid.
Reporting work and earnings
To ensure that SSDI beneficiaries remain eligible for their benefits, it is crucial to report any work or earnings to the Social Security Administration (SSA). The SSA requires beneficiaries to report any changes in their work status, including the start and end dates of employment, as well as the amount of earnings. Failure to report this information can result in overpayments or the suspension of SSDI benefits.
In conclusion, while SSDI beneficiaries can work while receiving benefits, there are strict rules and limitations in place. Understanding these rules and reporting any changes in work status is essential to maintaining eligibility for SSDI benefits. If you have questions about working and SSDI benefits, it is advisable to consult with a Social Security representative or an attorney specializing in SSDI law.
