Can I work and receive Social Security Disability? This is a common question among individuals who are considering returning to work while receiving Social Security Disability (SSD) benefits. The answer to this question is not straightforward and depends on various factors, including the nature of the disability, the individual’s work capacity, and the specific SSD regulations in place.
Social Security Disability Insurance (SSDI) is designed to provide financial support to individuals who are unable to work due to a severe and long-term medical condition. However, SSDI regulations allow for some level of work activity, known as “substantial gainful activity” (SGA). Understanding the rules surrounding SGA is crucial for individuals who wish to return to work while maintaining their SSDI benefits.
Substantial Gainful Activity (SGA)
The Social Security Administration (SSA) defines SGA as earnings of more than $1,310 per month (as of 2023) for most individuals. However, this amount may vary depending on the individual’s living arrangement and whether they are blind. If an individual’s earnings exceed the SGA limit, they may be considered no longer eligible for SSDI benefits.
Work and SSDI Benefits: The Trial Work Period
The SSA offers a Trial Work Period (TWP) for individuals who wish to return to work while still receiving SSDI benefits. During the TWP, which lasts for nine months within a 60-month period, an individual can earn as much as they want without affecting their SSDI benefits. This allows individuals to test their ability to work without the fear of losing their benefits.
Extended Period of Eligibility (EPE)
Following the Trial Work Period, an individual enters an Extended Period of Eligibility (EPE). During the EPE, which lasts for 36 months following the end of the TWP, an individual can earn up to $21,980 per year (as of 2023) without losing their SSDI benefits. If an individual’s earnings exceed this amount, they will enter a Grace Period, during which they can still receive SSDI benefits for a certain number of months.
Understanding Work Credits
It’s important to note that SSDI benefits are based on work credits, which are earned by paying Social Security taxes. Individuals who have accumulated enough work credits can receive SSDI benefits even if they are working. However, if an individual’s earnings exceed the SGA limit, they may lose their SSDI benefits until their earnings fall below the limit.
Seeking Professional Advice
Navigating the complex world of SSDI and work can be challenging. It’s advisable for individuals who are considering returning to work while receiving SSDI benefits to consult with a Social Security attorney or a disability advocate. These professionals can help explain the rules and regulations, provide guidance on how to work within the system, and ensure that individuals maintain their SSDI benefits while pursuing their career goals.
In conclusion, while it is possible to work and receive Social Security Disability benefits, individuals must understand the rules and regulations surrounding SGA, the Trial Work Period, and the Extended Period of Eligibility. By seeking professional advice and staying informed, individuals can make informed decisions about their work and SSDI benefits.
