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How Many Hours Can You Work While You Are On SSDI Benefits?
Trying to sort through your Social Security Disability Insurance (SSDI) while trying to maintain some level of employment can be confusing. At Southside Injury Law, we are committed to helping our clients understand their rights and limitations when it comes to working while on SSDI. Here’s a comprehensive guide to help you understand how many hours you can work while receiving SSDI benefits and how to balance work with your disability status.
Understanding SSDI Benefits and Work Limits
SSDI is a federal program designed to provide financial support to individuals who are unable to work due to a disabling condition. However, many recipients may still wish to work part-time or engage in some form of employment. The key factor that determines whether you can work while receiving SSDI benefits is the concept of Substantial Gainful Activity (SGA).
Substantial Gainful Activity (SGA)
The Social Security Administration (SSA) uses SGA as a measure to determine if your work activity is significant enough to affect your eligibility for SSDI benefits. In 2024, the SGA limit is $1,470 per month for non-blind individuals and $2,460 per month for blind individuals. If your earnings exceed these limits, you may no longer be considered disabled under SSA guidelines.
Trial Work Period (TWP)
The SSA offers a Trial Work Period (TWP) that allows SSDI recipients to test their ability to work without losing their benefits. During the TWP, you can work for nine months (not necessarily consecutive) within a 60-month period and earn any amount without affecting your SSDI benefits. In 2024, any month in which you earn over $1,050 counts as a trial work month.
Extended Period of Eligibility (EPE)
After the TWP, you enter the Extended Period of Eligibility (EPE), which lasts for 36 months. During this period, you can still receive SSDI benefits for any month your earnings fall below the SGA limit. However, if you consistently earn above the SGA level, your benefits may cease.
Common FAQs
1. Can I work part-time while receiving SSDI benefits?
Yes, you can work part-time while receiving SSDI benefits as long as your earnings do not exceed the SGA limit. Utilizing the TWP and EPE can help you explore your ability to work without losing benefits.
2. What happens if my earnings exceed the SGA limit during the TWP?
During the TWP, you can earn any amount without affecting your SSDI benefits. However, once the TWP ends, earnings above the SGA limit may impact your eligibility.
3. How does the SSA track my earnings?
The SSA periodically reviews your earnings through your employer’s reports and your self-reported income. It is essential to accurately report your earnings to avoid any overpayments or penalties.
Resources for SSDI Recipients
For more detailed information, visit the following resources:
- Social Security Administration (SSA) Official Website
- Disability Benefits 101
- National Disability Rights Network
Balancing work while receiving SSDI benefits can be challenging, but understanding the rules and limits can help you navigate this process effectively. At Southside Injury Law, we are dedicated to providing you with the guidance and support you need. If you have any questions or need assistance with your SSDI case, don’t hesitate to contact us.
Southside Injury Law 1895 Phoenix Blvd, Ste 166
Atlanta, GA 30349
Local: (770) 703-6008