Social Security Disability Insurance often comes with many questions and concerns, especially regarding the possibility of working while receiving benefits. The Social Security Administration designed SSDI to provide financial assistance to individuals who are unable to work due to a disability. However, the rules around working while on disability are not as cut-and-dried as they may seem. Many beneficiaries wonder if they can earn additional income without jeopardizing their SSDI benefits.
The SSA recognizes the desire and sometimes the necessity for individuals on disability to attempt to work. As a result, they have implemented specific programs and rules that allow for this possibility.
Trial work period
The SSA offers a Trial Work Period that allows SSDI beneficiaries to test their ability to work for at least nine months. During the TWP, individuals can receive full SSDI benefits regardless of how much they earn, as long as they report their work activity and continue to have a disabling impairment. The TWP is a great opportunity for beneficiaries to assess their capacity to work without the fear of losing their benefits.
Extended period of eligibility
After the Trial Work Period ends, SSDI recipients enter an Extended Period of Eligibility that lasts 36 months. During the EPE, beneficiaries can still receive benefits for any month their earnings do not exceed the SSA’s definition of “substantial gainful activity.” For the year 2024, the monthly SGA amount for statutorily blind individuals is $2,590 and $1,550 for non-blind individuals.
Reporting requirements
It is important for SSDI beneficiaries who decide to work to adhere to SSA’s reporting requirements. This includes promptly informing the SSA about any changes in work activity or earnings. Proper reporting ensures that beneficiaries remain compliant with SSDI rules and avoid overpayments.
As long as beneficiaries follow the reporting guidelines and are mindful of the income thresholds, they can explore their ability to work without losing the financial support they need.