Can you work when you are on Social Security Disability? This is a question that many individuals with disabilities face as they navigate the complexities of their financial and healthcare needs. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are vital programs designed to support those who are unable to work due to a disability. However, the possibility of returning to work while receiving these benefits can be a source of confusion and concern. In this article, we will explore the regulations surrounding work and Social Security Disability, helping you understand your options and rights.
Understanding SSDI and SSI
Before diving into the specifics of working while on Social Security Disability, it’s important to have a clear understanding of the two primary programs that provide financial support: SSDI and SSI. SSDI is a federal insurance program that pays benefits to individuals who have worked and paid into the Social Security system through payroll taxes. SSI, on the other hand, is a needs-based program that provides monthly payments to individuals with limited income and resources who are disabled, blind, or aged 65 or older.
Substantial Gainful Activity (SGA)
One of the key factors to consider when pondering the possibility of working while on Social Security Disability is the concept of Substantial Gainful Activity (SGA). SGA refers to the amount of income that a person can earn while still receiving SSDI or SSI benefits. The SGA limit for SSDI is $1,310 per month in 2021, and for SSI, it is $1,820 per month. If you earn more than these amounts, you may be considered to be engaging in SGA and could potentially lose your benefits.
Trial Work Period
However, there is a provision in SSDI that allows individuals to test their ability to work without immediate penalty. The Trial Work Period (TWP) allows you to earn a certain amount of income for nine months without affecting your SSDI benefits. During the TWP, you can earn up to $910 per month in 2021, and your benefits will not be affected. After the TWP, there is a 36-month grace period during which you can still earn income without affecting your benefits, as long as your earnings do not exceed the SGA limit.
Extended Period of Eligibility
Following the TWP and the 36-month grace period, there is an Extended Period of Eligibility (EPE). During the EPE, you can earn up to the SGA limit without losing your SSDI benefits. The EPE lasts for 93 months after the end of the TWP. If you are still disabled and unable to work during this period, you can continue to receive SSDI benefits.
SSI and Work
For individuals receiving SSI, the rules regarding work are slightly different. While SSI does not have a Trial Work Period or an Extended Period of Eligibility, there is a nine-month period known as the Medical Improvement Review (MIR) process. During the MIR, the Social Security Administration (SSA) reviews your case to determine if your medical condition has improved. If you are found to be no longer disabled, your SSI benefits may be terminated. However, you can appeal this decision if you believe you are still disabled.
Conclusion
Can you work when you are on Social Security Disability? The answer is yes, with certain conditions and limitations. Understanding the rules and regulations surrounding SSDI and SSI can help you make informed decisions about your financial future. While returning to work can be challenging, it is possible to do so while maintaining your benefits, provided you adhere to the guidelines set forth by the SSA. Always consult with a qualified professional or the SSA itself to ensure you are making the right choices for your unique situation.
