Working Part-Time While Collecting Social Security Disability Benefits in the USA
Many Americans who are receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) might wonder if they can continue working part-time while still receiving their benefits. The answer is complex, but there are guidelines and programs that can help those who are able to work but require flexibility or support.
Can You Work Part-Time on SSDI?
Yes, you can work part-time while receiving Social Security Disability Insurance (SSDI) if your medical condition permits it. Under the rules set by the Social Security Administration (SSA), there are certain earnings limits, known as Substantial Gainful Activity (SGA), that determine whether you can continue receiving benefits. The current limit for SGA is around $1,500 per month (as of 2024), though this can vary significantly based on individual circumstances.
Trial Work Period (TWP)
There is a Trial Work Period (TWP) allowance, which allows you to work up to 9 months while still receiving SSDI benefits. This period is designed to help you test your ability to work and see if you can maintain employment. Once the TWP is over, you can continue to work below the SGA limit if your earnings stay below $1,500 per month. However, it is important to note that the SSA may review your eligibility after this period if you continue to work full-time or remain above the SGA limit.
Extended Period of Entitlement (EPE)
If you earn above the SGA limit and have your benefits temporarily stopped, you may enter an Extended Period of Entitlement (EPE). This period provides a buffer for those who may have been earning slightly above the SGA limit but are unable to return to full-time employment. During the EPE, you remain eligible for benefits until you have earned 24 months of work under the SGA, which could protect you for up to 5 years from a benefit stoppage.
Can You Work Part-Time on SSI?
Unlike SSDI, Supplemental Security Income (SSI) is not strictly limited to earnings below the SGA threshold. SSI is a needs-based program, designed to provide a safety net for low-income individuals who are disabled. If you are receiving SSI, there are no strict limits on the amount you can earn, but the income will be considered and will likely reduce your SSI benefits. It is advisable to consult with a Social Security representative to understand the specific impact on your benefits.
Conclusion and Additional Resources
It is important to understand that working part-time while receiving Social Security disability benefits is possible under certain circumstances, but it is a complex issue that requires careful planning and adherence to SSA guidelines. The Ticket to Work program can provide additional support for individuals who are trying to transition back to work, including resources for medical insurance coverage.