Can you work while waiting for social security disability? This is a question that many individuals find themselves asking when they are dealing with a disabling condition and are awaiting approval for their SSDI (Social Security Disability Insurance) benefits. The answer to this question can vary depending on several factors, including the nature of the disability, the individual’s financial situation, and the specific regulations set forth by the Social Security Administration (SSA). In this article, we will explore the options available to those who are waiting for their SSDI benefits and whether working during this period is possible.
The first thing to understand is that the SSA has specific guidelines regarding work while receiving SSDI benefits. Under the SSA’s rules, individuals are allowed to work while waiting for their benefits, but there are certain limitations. The key factor is the individual’s residual functional capacity (RFC), which is a measure of the individual’s ability to work despite their disability. If an individual’s RFC is determined to be less than the ability to perform substantial gainful activity (SGA), they may still be eligible for SSDI benefits while working.
Understanding the Work Credit System
The SSA uses a work credit system to determine eligibility for SSDI benefits. An individual earns one work credit for each quarter they work and earn a certain amount of money. The number of work credits needed to qualify for SSDI benefits depends on the individual’s age at the time they become disabled. Generally, individuals need 40 work credits, with at least 20 of those credits earned in the 10 years prior to becoming disabled.
When considering whether to work while waiting for SSDI benefits, it is important to keep in mind the following:
1. Trial Work Period: The SSA allows individuals to work for a trial period of nine months without affecting their SSDI benefits. During this time, the individual’s income does not count towards their SGA.
2. Extended Period of Eligibility: After the trial work period, individuals have an extended period of eligibility for up to 36 months. During this time, their benefits may be suspended if their income exceeds the SGA level, but they will be reinstated if their income falls below the SGA level.
3. Earnings Limit: The SSA has an earnings limit for individuals receiving SSDI benefits. In 2021, the limit is $1,310 per month. If an individual’s income exceeds this limit, their SSDI benefits may be reduced or suspended.
4. Ticket to Work Program: The SSA offers the Ticket to Work program, which helps individuals with disabilities find employment and maintain their SSDI benefits. The program provides various resources, including job counseling, vocational rehabilitation, and financial incentives.
Conclusion
In conclusion, it is possible to work while waiting for social security disability benefits, but it is important to understand the rules and regulations set forth by the SSA. By carefully considering the individual’s RFC, work credit status, and the various programs available, individuals can make informed decisions about their employment options while awaiting their SSDI benefits. Always consult with a qualified attorney or SSA representative to ensure compliance with the latest regulations and to maximize the chances of receiving the benefits you deserve.
