Can you work if you’re on Social Security Disability? This is a question that plagues many individuals who rely on Social Security Disability Insurance (SSDI) benefits. SSDI is designed to provide financial assistance to individuals who are unable to work due to a severe and long-term medical condition. However, the rules surrounding work and SSDI benefits can be complex and confusing. In this article, we will explore the guidelines and restrictions that apply to those receiving SSDI benefits and whether it is possible to work while still receiving these benefits.
Social Security Disability Insurance is a federal program that provides monthly benefits to individuals who have worked and paid into the Social Security system and who have become disabled. The program is designed to help 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 SSDI benefits can be a lifeline for many, the rules surrounding work can be restrictive.
Under SSDI, individuals are generally required to meet a work credit requirement, which is based on their earnings history. To be eligible for SSDI, a person must have worked and paid Social Security taxes for a certain number of years, depending on their age. Once an individual is approved for SSDI benefits, they are subject to a trial work period, during which they can earn a certain amount of money without affecting their benefits.
The trial work period lasts for nine months, and during this time, an SSDI recipient can earn as much as they want without losing their benefits. However, once the trial work period ends, SSDI benefits are subject to a strict earnings limit. In 2021, the limit is $18,920 for the year, or $1,560 per month. If an SSDI recipient earns more than this amount, their benefits may be reduced or suspended.
There are also other rules that can affect whether an SSDI recipient can work. For example, if an individual’s medical condition improves and they are able to work, they may be required to undergo a medical review to determine if they are still eligible for SSDI benefits. Additionally, SSDI recipients who work may be subject to a monthly earnings limit, which can vary depending on their specific circumstances.
It is important to note that SSDI benefits are not the same as Supplemental Security Income (SSI), which is a needs-based program for individuals with limited income and resources. SSI recipients have even stricter work rules, as they are not allowed to earn more than a certain amount of money each month.
In conclusion, while it is possible to work while receiving SSDI benefits, there are strict rules and limitations in place. SSDI recipients must carefully navigate these rules to ensure that they do not lose their benefits. If you are considering returning to work while on SSDI, it is essential to consult with a Social Security representative or an attorney who specializes in disability law to understand the implications and ensure that you remain eligible for your benefits.
