Is It Possible to Work While Receiving Social Security Disability Benefits-_3
Can you work if you collect Social Security Disability? This is a question that many individuals with disabilities and their families often ask. The answer is not straightforward and depends on various factors, including the type of disability, the severity of the condition, and the specific rules and regulations set by the Social Security Administration (SSA). In this article, we will explore the possibilities of working while collecting Social Security Disability benefits and provide guidance on how to navigate this complex situation.
The Social Security Disability Insurance (SSDI) program is designed to provide financial assistance to individuals who are unable to work due to a severe and long-term medical condition. However, the SSA recognizes that some individuals may be able to work, albeit in limited capacities, while still receiving disability benefits. This is where the question of whether one can work while collecting Social Security Disability becomes crucial.
To determine if you can work while collecting Social Security Disability, it is essential to understand the concept of “substantial gainful activity” (SGA). According to the SSA, SGA refers to the amount of money you can earn from working and still qualify for disability benefits. The SGA limit is subject to change annually, and as of 2021, the limit is $1,310 per month for individuals who are not blind and $2,190 per month for individuals who are blind.
If your earnings exceed the SGA limit, you may be considered “engaging in SGA” and could potentially lose your disability benefits. However, there are exceptions and work incentives that can help you maintain your benefits while exploring work opportunities. Here are some key points to consider:
1. Trial Work Period: The SSA allows you to work for nine months without counting your earnings against your benefits. During this period, you can test your ability to work without the fear of losing your benefits.
2. Extended Period of Eligibility: After the trial work period, you have a 36-month extended period of eligibility. During this time, your benefits can be restored if your earnings fall below the SGA limit and you remain disabled.
3. Plan to Achieve Self-Support (PASS): This program enables you to set aside a portion of your earnings to pay for education, training, or starting a business, without affecting your disability benefits.
4. Impairment Related Work Expenses (IRWE): If you incur significant expenses related to your disability while working, you may be able to deduct these costs from your earnings, potentially keeping you below the SGA limit.
It is crucial to consult with a qualified professional, such as a disability attorney or a financial advisor, to understand the specific rules and regulations that apply to your situation. They can help you navigate the complexities of working while collecting Social Security Disability benefits and ensure that you make informed decisions regarding your financial well-being.
In conclusion, while it is possible to work while collecting Social Security Disability, it is essential to understand the rules and regulations set by the SSA. By exploring the various work incentives and seeking professional guidance, individuals with disabilities can find a balance between earning a living and maintaining their benefits.
