Is It Possible to Work While Receiving Social Security Disability Benefits-_5
Can you work if you’re on Social Security Disability? This is a question that plagues many individuals who have become disabled and are receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits. The answer, however, is not straightforward and depends on various factors, including the nature of the disability, the individual’s work capacity, and the specific regulations set forth by the Social Security Administration (SSA). In this article, we will explore the intricacies of working while receiving disability benefits and provide guidance on navigating this complex situation.
The Social Security Administration provides disability benefits 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. These benefits are designed to help disabled individuals maintain financial stability and cover their living expenses. However, the SSA has strict guidelines regarding the work that individuals receiving disability benefits can perform, as well as the amount of income they can earn.
Understanding the Work Credit System
One of the key aspects of the Social Security Disability program is the work credit system. To be eligible for SSDI, individuals must have earned enough work credits based on their employment history. Work credits are calculated based on the amount of money an individual earns and the number of years they have worked. Once an individual becomes disabled, they may continue to receive SSDI benefits as long as they meet the work credit requirements and their disability remains severe.
Substantial Gainful Activity (SGA)
The SSA defines Substantial Gainful Activity (SGA) as the level of work that an individual can perform and still receive disability benefits. For 2021, the monthly SGA limit for SSDI beneficiaries is $1,310 for individuals who are not blind, and $2,190 for individuals who are blind. If an individual’s earnings exceed these limits, they may be considered to be engaging in SGA, which could result in a reduction or termination of their disability benefits.
Trial Work Period and Extended Period of Eligibility
The SSA offers a Trial Work Period (TWP) for individuals who want to return to work while still receiving disability benefits. During the TWP, which lasts for nine months, an individual can earn as much as they want without affecting their benefits. After the TWP, there is an Extended Period of Eligibility (EPE), during which an individual can still receive benefits for up to 36 months after the end of the TWP, as long as their earnings do not exceed the SGA limits.
Understanding the Medical Improvement Review
The SSA periodically reviews the medical condition of individuals receiving disability benefits to ensure that their disability still qualifies them for benefits. If the SSA determines that the individual’s medical condition has improved to the point where they can perform substantial gainful activity, their benefits may be terminated. However, the SSA must provide advance notice of this review and allow the individual an opportunity to appeal the decision.
Seeking Legal Assistance
Navigating the complex world of Social Security Disability benefits can be challenging. If you are considering returning to work while receiving disability benefits, it is important to seek legal assistance. An experienced Social Security attorney can help you understand your rights and obligations, as well as guide you through the process of returning to work without risking your benefits.
In conclusion, the answer to the question “Can you work if you’re on Social Security Disability?” is yes, but with certain limitations and regulations. By understanding the work credit system, SGA limits, and the Trial Work Period, individuals can make informed decisions about returning to work while still receiving the necessary support from the Social Security Administration.
