Can you collect SSDI and still work? This is a common question among individuals who are eligible for Social Security Disability Insurance (SSDI) benefits. SSDI is designed to provide financial support to individuals who are unable to work due to a medical condition. However, many people wonder if they can continue working while receiving these benefits. In this article, we will explore the rules and regulations surrounding SSDI and work, helping you understand how you can maintain your independence while receiving the support you need.
Social Security Disability Insurance (SSDI) is a federal program that provides income to individuals who have worked and paid into the Social Security system. To be eligible 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, you must have earned enough work credits through your employment history.
The main question on everyone’s mind is whether they can collect SSDI and still work. The answer is yes, you can, but there are specific rules and limitations to consider. The Social Security Administration (SSA) has established a trial work period and an earnings limit to help determine your eligibility for SSDI benefits while working.
During the trial work period, you can earn a certain amount of money without affecting your SSDI benefits. The trial work period consists of nine months within a 60-month period. During this time, you can work as much as you want and still receive SSDI benefits. However, once you earn more than $910 per month in 2021, your SSDI benefits may be reduced or suspended.
After the trial work period, the SSA has established an earnings limit. In 2021, if you earn more than $1,310 per month, your SSDI benefits will be suspended. However, if your earnings drop below this limit, your benefits will resume automatically. It’s important to note that these limits are subject to change each year, so it’s crucial to stay informed about the current regulations.
Another factor to consider is the type of work you are doing. If you engage in “substantial gainful activity” (SGA), which is defined as earning more than a certain amount per month, your SSDI benefits may be affected. In 2021, the SGA limit is $1,310 for most individuals. If you exceed this limit, your SSDI benefits may be suspended or terminated.
It’s essential to understand that while you can collect SSDI and still work, the SSA will conduct periodic reviews to ensure that your medical condition still qualifies you for benefits. If your condition improves and you are able to work, your SSDI benefits may be terminated.
In conclusion, you can collect SSDI and still work, but it’s important to be aware of the rules and limitations. The trial work period, earnings limits, and SGA requirements are designed to help you maintain your independence while receiving the financial support you need. If you have questions about your specific situation, it’s always best to consult with a Social Security expert or an attorney who specializes in SSDI benefits.
