Can I Work and Still Collect SSDI?
Social Security Disability Insurance (SSDI) is a crucial safety net for individuals who are unable to work due to a disability. However, many SSDI recipients wonder if they can continue working while still receiving their benefits. The answer to this question is not straightforward, as it depends on several factors. In this article, we will explore the rules and regulations surrounding working while collecting SSDI.
Understanding SSDI Work Restrictions
SSDI benefits are designed to provide financial support to individuals who are unable to work due to a disabling condition. The Social Security Administration (SSA) has specific rules regarding work and SSDI benefits. These rules are in place to ensure that SSDI recipients are genuinely unable to work and to prevent individuals from collecting benefits while earning a substantial income.
Substantial Gainful Activity (SGA)
The SSA defines Substantial Gainful Activity (SGA) as work that earns more than a certain amount per month. For 2023, the SGA limit for non-blind individuals is $1,350 per month. If an SSDI recipient earns more than this amount, they may be considered to be engaging in SGA, which could result in a reduction or termination of their SSDI benefits.
Trial Work Period
The SSA offers a Trial Work Period (TWP) for SSDI recipients who want to test their ability to work. During the TWP, which lasts for nine months, an SSDI recipient can earn as much as they want without affecting their benefits. After the TWP, the SSA has a 36-month period during which they will not consider earnings when determining eligibility for SSDI benefits.
Extended Period of Eligibility
Following the TWP, the SSA has an Extended Period of Eligibility (EPE) for up to 93 months. During this time, an SSDI recipient can earn up to $21,980 per year (in 2023) without affecting their benefits. If their earnings exceed this amount, the SSA will review their case to determine if they are still eligible for SSDI.
Work Credits and Earnings Limitations
SSDI recipients must also consider their work credits and earnings limitations. Work credits are earned based on the amount of income an individual has earned and the number of years they have worked. The more work credits an individual has, the more they can earn while still receiving SSDI benefits.
Seeking Professional Advice
Navigating the rules and regulations surrounding working while collecting SSDI can be complex. It is essential for SSDI recipients to seek professional advice from a qualified attorney or a disability advocate to ensure they understand their rights and obligations.
In conclusion, while it is possible to work and still collect SSDI, there are specific rules and limitations in place. SSDI recipients must be aware of their SGA limits, the Trial Work Period, and the Extended Period of Eligibility. Seeking professional advice can help ensure that SSDI recipients make informed decisions about their work and benefits.
