Can you work while waiting for disability determination? This is a question that often plagues individuals who have applied for disability benefits but are still awaiting a decision. The uncertainty surrounding the approval process can be overwhelming, but it’s important to understand the options available to you during this time. In this article, we will explore the possibilities of working while waiting for disability determination, including the financial implications, legal considerations, and potential benefits of maintaining employment.
Firstly, it’s crucial to note that the ability to work while waiting for disability determination depends on the specific circumstances of your case. The Social Security Administration (SSA) allows individuals to earn a certain amount of income each month without affecting their eligibility for benefits. This amount is known as the Substantial Gainful Activity (SGA) limit. As of 2021, the SGA limit for disabled individuals is $1,310 per month. If your earnings exceed this amount, it may delay or even prevent you from receiving disability benefits.
However, there are exceptions to the SGA limit. For instance, if you are engaged in a trial work period, you may earn more than the SGA limit without affecting your benefits. The trial work period lasts for nine months, and during this time, you can work and still receive disability benefits. It’s essential to keep detailed records of your earnings during this period to ensure that you remain eligible for benefits.
While working while waiting for disability determination may seem counterintuitive, there are several benefits to consider. Firstly, maintaining employment can help you stay connected to the workforce and potentially improve your chances of securing a job in the future. Additionally, working can provide financial stability during the waiting period, as you may be unable to cover all your expenses solely on savings or other sources of income.
However, it’s important to weigh the risks of working while waiting for disability determination. If your earnings exceed the SGA limit, you may face a delay in receiving benefits or even have your benefits terminated. Moreover, if your condition worsens during the waiting period, you may find it challenging to continue working, which could lead to further financial strain.
In conclusion, the question of whether you can work while waiting for disability determination depends on your individual circumstances and the specifics of your case. While it’s possible to work within certain limits, it’s crucial to understand the potential risks and benefits involved. Consulting with a disability attorney or a financial advisor can help you make an informed decision that aligns with your needs and goals.
