Can I Work While Waiting for Social Security Disability?
Navigating the complexities of the Social Security Disability (SSD) application process can be a challenging experience. Many individuals find themselves in a difficult position, wondering whether they can continue working while waiting for their SSD benefits to be approved. The answer to this question depends on several factors, including the nature of your disability, your income level, and the specific regulations set forth by the Social Security Administration (SSA).
Understanding the SSD Application Process
The SSD application process involves submitting detailed medical evidence to demonstrate that you have a disabling condition that prevents you from working. This process can take several months, and during this time, you may be unsure about your financial stability. The good news is that the SSA has established certain guidelines to help individuals in this situation.
Substantial Gainful Activity (SGA)
One of the key considerations when determining whether you can work while waiting for SSD benefits is the concept of Substantial Gainful Activity (SGA). The SSA defines SGA as work that earns more than a certain amount per month. As of 2021, the SGA limit for non-blind individuals is $1,310 per month, and $2,190 per month for blind individuals. If your earnings exceed these limits, you may be considered to be engaging in SGA, which could affect your eligibility for SSD benefits.
Work Options for SSD Beneficiaries
Despite the SGA limits, there are still some work options available for individuals waiting for SSD benefits. Here are a few scenarios to consider:
1.
Part-Time Work
If you are able to work part-time, you may still be eligible for SSD benefits as long as your earnings do not exceed the SGA limits. This can be a good way to maintain some level of financial independence while waiting for your benefits to be approved.
2.
Volunteer Work
Volunteering is generally not considered SGA, so you can volunteer without affecting your SSD eligibility. This can be a rewarding way to stay active and connected to your community while waiting for your benefits.
3.
Work Training Programs
The SSA offers vocational rehabilitation services and work training programs that can help you develop new skills and improve your employability. Participating in these programs may not count as SGA, but it’s essential to consult with a SSA representative to ensure that you remain eligible for SSD benefits.
Seeking Professional Advice
Given the complexities of the SSD application process and the potential impact of work on your benefits, it’s crucial to seek professional advice. An experienced SSD attorney or a SSA representative can provide guidance tailored to your specific situation. They can help you understand the rules and regulations, ensuring that you make informed decisions about your work status while waiting for your SSD benefits.
In conclusion, while there are limitations on working while waiting for Social Security Disability benefits, there are still options available. By understanding the SGA limits and seeking professional advice, you can make the best decisions for your financial and personal well-being during this challenging time.
