Can you collect SSDI and work? This is a common question among individuals who are eligible for Social Security Disability Insurance (SSDI) benefits. SSDI is designed to provide financial support to individuals who are unable to work due to a disabling condition. However, many people wonder if they can still work while receiving SSDI benefits. In this article, we will explore the rules and regulations surrounding this topic, helping you understand the possibilities and limitations of working while on SSDI.
Firstly, it’s important to note that SSDI benefits are designed for individuals who are unable to work due to a disabling condition that is expected to last at least one year or result in death. If you are receiving SSDI benefits, you may still be able to work, but there are certain restrictions and guidelines you need to follow.
One of the key factors to consider is your earnings. SSDI has a monthly earnings limit, known as the Substantial Gainful Activity (SGA) limit. For the year 2023, the SGA limit is $1,350 per month. If you earn more than this amount, you may be considered engaged in SGA, which can affect your SSDI benefits. However, there are exceptions and work incentives that can allow you to earn more while still receiving SSDI benefits.
Under the SSDI program, there are two types of work incentives: Trial Work Period (TWP) and Extended Period of Eligibility (EPE). The TWP allows you to work and earn any amount of money for up to nine months without affecting your SSDI benefits. During this period, you will continue to receive your full SSDI benefits, regardless of your earnings. After the TWP, you will enter the EPE, where you can earn up to $21,810 per year (in 2023) without losing your SSDI benefits. After the EPE, your SSDI benefits may be reduced based on your earnings.
It’s also important to consider the duration of your work. If you work full-time for a continuous period of five months, you may be required to return to the SSDI program. However, there are exceptions and accommodations available for individuals who have a medical condition that prevents them from working full-time.
In conclusion, the answer to the question “Can you collect SSDI and work?” is yes, but with certain limitations. By understanding the rules and regulations surrounding SSDI benefits and work, you can make informed decisions about your financial stability and work opportunities. It’s always recommended to consult with a Social Security representative or an attorney specializing in SSDI to ensure you are following the correct procedures and maximizing your benefits.
