Can You Work While Receiving Social Security Disability Benefits-
Are you allowed to work while on Social Security Disability? This is a common question among individuals who have been approved for SSDI (Social Security Disability Insurance) or SSI (Supplemental Security Income) benefits. The answer to this question is not straightforward and depends on various factors, including the type of disability, the amount of income earned, and the individual’s overall health condition. In this article, we will explore the rules and regulations surrounding work while receiving Social Security Disability benefits.
Social Security Disability benefits are designed to provide financial assistance to individuals who are unable to work due to a medical condition that is expected to last at least one year or result in death. While receiving these benefits, it is important to understand the work-related rules and limitations to avoid any potential loss of benefits.
Firstly, it is essential to differentiate between SSDI and SSI. SSDI benefits are based on a person’s work history and earnings, while SSI benefits are needs-based and do not require a work history. For SSDI recipients, the rules regarding work are more lenient compared to SSI recipients.
Under SSDI, individuals are allowed to work and still receive benefits, as long as their earnings do not exceed a certain amount. This amount is known as the Substantial Gainful Activity (SGA) limit. For the year 2021, the SGA limit for disabled individuals is $1,310 per month. If an SSDI recipient earns more than this amount, their benefits may be suspended or terminated. However, there is a nine-month trial work period during which individuals can earn up to $9,160 in gross income without affecting their benefits.
On the other hand, SSI recipients have stricter rules regarding work. They are allowed to work, but their monthly earnings must not exceed the SGA limit. If their earnings exceed this limit, their SSI benefits may be reduced or terminated. Additionally, SSI recipients are subject to a three-month trial work period, during which they can earn up to $920 in gross income per month without affecting their benefits.
It is important to note that the rules for SSDI and SSI recipients are not the same for all types of work. For example, volunteering, performing household chores, or engaging in activities that do not generate income are generally not considered work under either program. However, if an individual is working for pay, they must report their earnings to the Social Security Administration (SSA) to ensure compliance with the program’s rules.
Another important aspect to consider is the concept of “medical improvement.” If an SSDI or SSI recipient’s medical condition improves to the point where they can perform substantial gainful activity, their benefits may be terminated. However, the SSA provides a five-month grace period during which the individual can continue receiving benefits while they seek new employment or adjust to their new condition.
In conclusion, while it is possible to work while on Social Security Disability, it is crucial to understand the rules and regulations surrounding this issue. SSDI and SSI recipients must carefully monitor their earnings and report any changes to the SSA to avoid any potential loss of benefits. Consulting with a Social Security Disability attorney or a financial advisor can provide further guidance and ensure that individuals are in compliance with the program’s requirements.
