Can you work and still get Social Security Disability? This is a question that many individuals with disabilities often ask themselves. The answer, however, is not straightforward and depends on various factors. In this article, we will explore the circumstances under which you can work while receiving Social Security Disability benefits and the criteria that the Social Security Administration (SSA) uses to determine eligibility.
Firstly, it’s important to understand that Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two different programs. SSDI is available 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 for individuals who have not worked or have not worked enough to qualify for SSDI.
For SSDI recipients, the SSA has a strict definition of “disability.” To qualify for SSDI, you must have a medical condition that has lasted or is expected to last at least one year or result in death. Additionally, your condition must prevent you from engaging in any substantial gainful activity (SGA). The SSA defines SGA as earning more than $1,310 per month (as of 2021) for most individuals.
However, there are exceptions to the SGA rule. If you work and earn less than the SGA limit, you may still be eligible for SSDI benefits. The SSA will consider your work activity and earnings in determining your eligibility. If you earn more than the SGA limit, you may be temporarily disqualified from receiving SSDI benefits, but you can reapply once your earnings fall below the limit.
For SSI recipients, the situation is slightly different. SSI benefits are based on financial need, so working may affect your eligibility. If you work and earn more than a certain amount, known as the Substantial Gainful Activity (SGA) limit, you may lose your SSI benefits. The SGA limit for SSI recipients is lower than that for SSDI, currently set at $85 per month (as of 2021).
It’s also important to note that the SSA may consider your work activity under a trial work period. During this trial period, which lasts for nine months within a 60-month period, you can work and still receive SSDI benefits. This allows you to test your ability to work without losing your benefits.
In conclusion, while it is possible to work and still receive Social Security Disability benefits, the eligibility depends on the type of benefits you are receiving and your level of earnings. It’s essential to consult with a Social Security disability attorney or a SSA representative to understand the specific rules and guidelines that apply to your situation. Remember, the key to maintaining your benefits while working is to stay within the SGA limits and adhere to the SSA’s guidelines for your particular program.
