How much money can you make and still collect SSDI? This is a common question among individuals who are receiving Social Security Disability Insurance (SSDI) benefits. Understanding the income limits set by the Social Security Administration (SSA) is crucial for maintaining your eligibility for these benefits. In this article, we will explore the income limits, how they affect SSDI benefits, and provide tips on maximizing your income while still qualifying for SSDI.
The SSA has specific rules regarding how much income you can earn while collecting SSDI. These rules are designed to ensure that individuals with disabilities can work and contribute to the economy without losing their SSDI benefits. The primary factor in determining your allowable income is known as the Substantial Gainful Activity (SGA) limit.
As of 2021, the SGA limit for SSDI beneficiaries is $1,310 per month. This means that if you earn more than this amount, you may risk losing your SSDI benefits. However, there are certain exceptions and considerations that can affect your income limits.
One exception is the trial work period, which allows SSDI beneficiaries to earn a certain amount of income for up to nine months without affecting their benefits. During this period, the SSA does not count earnings toward your SGA limit. After the trial work period, any earnings over the monthly SGA limit may result in a reduction or suspension of your SSDI benefits.
Another exception is the blindness base amount, which applies to individuals who are blind. The SGA limit for blind SSDI beneficiaries is $2,190 per month. This higher limit is designed to account for the additional challenges blind individuals may face in the workforce.
It’s important to note that not all income is counted toward the SGA limit. For example, if you receive worker’s compensation, Supplemental Security Income (SSI), or other disability-related benefits, these may not be considered when determining your allowable income. However, if you receive unemployment benefits, they may be counted as income and could potentially impact your SSDI benefits.
Understanding how much money you can make and still collect SSDI can be complex. Here are some tips to help you navigate this process:
1. Consult with a Social Security representative to get a clear understanding of your income limits and how they apply to your situation.
2. Keep detailed records of your income and expenses to ensure you remain within the allowable limits.
3. Consider seeking legal advice if you’re unsure about how your income will affect your SSDI benefits.
4. Explore vocational rehabilitation services to help you find suitable employment that won’t compromise your SSDI eligibility.
By understanding the income limits and exceptions set by the SSA, you can make informed decisions about your work and SSDI benefits. Remember, maintaining your eligibility for SSDI is crucial for your financial security and well-being.
