Can you work collecting social security disability? This is a question that many individuals with disabilities find themselves asking as they navigate the complexities of the social security system. The answer, however, is not straightforward and depends on various factors, including the severity of the disability, the individual’s ability to perform certain tasks, and the nature of their work. In this article, we will explore the intricacies of working while collecting social security disability benefits and provide valuable insights for those in similar situations.
The Social Security Administration (SSA) administers two types of disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is available to individuals who have worked and paid into the Social Security system through payroll taxes, while SSI is a needs-based program for individuals with limited income and resources.
Understanding the Work-Related Requirements
When it comes to working while collecting social security disability benefits, it’s essential to understand the work-related requirements. SSDI recipients must meet specific criteria to continue receiving benefits. These criteria include the ability to perform “substantial gainful activity” (SGA), which is defined as earning a certain amount of money per month. The SGA limit for 2021 is $1,310 for individuals who are not blind and $2,190 for individuals who are blind.
Reporting Work Activity
One of the most critical aspects of working while collecting SSDI is reporting work activity to the SSA. Failure to report work activity can result in an overpayment of benefits, which may need to be repaid. It’s crucial to inform the SSA of any changes in work status, including starting a new job, reducing hours, or earning additional income.
Exempt Activities
While working may affect SSDI benefits, certain types of work may be exempt from the SGA limit. These activities include volunteer work, religious work, and certain types of work performed by individuals with very low income. It’s important to consult with the SSA or a qualified attorney to determine whether your specific work activity is exempt.
Returning to Work After Disability
For individuals who have returned to work after receiving social security disability benefits, there is a trial work period. During this period, which lasts nine months, SSDI beneficiaries can work and still receive their full benefits. After the trial work period, benefits are subject to a review, and the SSA will determine whether the individual is still eligible for benefits based on their earnings and ability to perform their job.
Transitioning to Retirement Benefits
Once an SSDI recipient reaches full retirement age, their SSDI benefits automatically convert to retirement benefits. This can be a significant change, as retirement benefits are typically higher than SSDI benefits. It’s important to plan for this transition and understand the implications for your financial security.
Conclusion
Navigating the world of working while collecting social security disability benefits can be challenging. However, with a clear understanding of the rules and regulations, individuals with disabilities can make informed decisions about their work and benefits. By staying informed and consulting with professionals, you can ensure that you are maximizing your benefits while still pursuing your career goals. Remember, the key is to communicate with the SSA and keep them updated on your work status to avoid any potential issues.
