Can you apply for SSDI while working? This is a common question among individuals who are considering applying for Social Security Disability Insurance (SSDI) but are still employed. The answer to this question is not straightforward and depends on several factors. In this article, we will explore the conditions under which you can apply for SSDI while working and the process involved.
Social Security Disability Insurance (SSDI) is a federal insurance program that provides financial support 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. The program is designed to help individuals who have paid into the Social Security system through their payroll taxes.
Eligibility for SSDI while working
To be eligible for SSDI while working, you must meet the following criteria:
1. Work Credits: You must have earned enough work credits in the three years prior to becoming disabled. The number of work credits required depends on your age and the year you became disabled.
2. Disability: You must have a medical condition that meets the SSA’s definition of disability. This means that your condition must be severe enough to prevent you from engaging in any substantial gainful activity (SGA) for at least one year.
3. Income Limitations: While there is no strict income limit for SSDI, there are limitations on how much you can earn and still be eligible for benefits. As of 2021, the limit is $1,310 per month for individuals who are blind and $1,310 per month for individuals who are not blind. If you earn more than this amount, you may still be eligible for SSDI, but your benefits may be reduced.
Applying for SSDI while working
If you believe you meet the eligibility criteria, you can apply for SSDI while working by following these steps:
1. Collect Medical Evidence: Gather all medical records and documentation related to your disability. This may include doctor’s notes, hospital records, and test results.
2. Complete the Application: You can apply for SSDI online, by phone, or in person at your local Social Security office. The application process will require you to provide personal information, work history, and details about your medical condition.
3. Submit Your Application: Once you have completed the application, submit it to the SSA. The agency will review your application and may request additional information or require a medical examination.
4. Wait for a Decision: The SSA will review your application and may take several months to make a decision. If your application is approved, you will begin receiving SSDI benefits.
Conclusion
In conclusion, you can apply for SSDI while working, but you must meet certain eligibility requirements. It is important to understand the income limitations and the process involved in applying for SSDI. If you are considering applying for SSDI, it is advisable to consult with a Social Security attorney or counselor to ensure that you have all the necessary information and support to navigate the application process successfully.
