Social Disability Lawyer Blog

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Working While Receiving SSDI Benefits

Working While Receiving SSDI Benefits

The SSA offers individuals an opportunity to work without losing their disability benefits.

Social Security Administration understands that a disability beneficiary may want to return to work and earn more than what they receive in their SSDI benefits. A job may mean increased income and financial security than the disability benefit, and the job can provide a sense of purpose and personal growth. However, even with these benefits, claimants often find themselves having anxiety over possibility of losing their SSDI benefits.

Social Security Work Incentives for Going Back to Work

The SSA allows you to make a small amount of income while collecting SSDI benefits, but the amount depends on some conditions. SSDI claimants can't earn and keep receiving benefits if they earn above a certain limit. That is, if an SSDI beneficiary earns above the substantial gainful activity (SGA). In 2021, the SGA amount is set at $1310 for non-blind and $2190 for blind social security beneficiaries.

This means you can be doing a lot of work for your business, but still receive disability benefits, as long as your net profit averages $2,190 or less a month in 2021

Title II Disability Benefits

Title II of the Social Security Act provides three types of insurance benefits for individuals with disabilities. Some people receive Title II disability benefits on their own work history and SSDI record. On the other hand, undocumented people such as the spouse or former spouse (Disable Widow(ers) Benefits or DWB). Some adult children receive Title II disability benefits on the account of a disabled, retired or deceased parent (Childhood Disability Benefits or CDB). In order for a worker, spouse, or child to qualify for Title II disability benefits, the worker on whose account benefits are paid must have paid Social Security taxes on earnings and must have earned the requisite number of work credits.

Title II disability benefits are a type of insurance and are not affected by a person's assets or unearned income.

Ticket to Work Program

One major program under the Title II Disability exceptions is the Ticket to Work, which offers people SSI and SSDI job training, work experiences and other services to help them go back to work and support themselves. So, like other work incentives, the Ticket to Work temporarily waves off the substantial gainful activity limit. Hence, this way you can continue to go back to work for employers who have signed up to participate. If you get a job through the program, you will get disability benefits. The payments will resume if you had to stop working because your medical condition worsened.

Moreover, SSDI beneficiaries are also allowed to work a further Trial Work Period (TWP).

For more legal help, you can contact our disability attorneys at the Law Office of Irene Ruzin.

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Tuesday, 19 March 2024