SSDI Application: Work Without Losing Your Benefits
PAGE
By PAGE Editor
The idea of stopping all work while waiting months (or even years) for an SSDI decision is terrifying for many applicants. You need income now, but you also desperately need those disability benefits.
Here is the good news: You can often work during your SSDI application without automatically disqualifying yourself, but you must navigate the rules carefully. One misstep can derail your claim.
With the expert knowledge of SSDI lawyers, this article serves as a guide to working efficiently while your application is pending.
What Is SSDI and Who Qualifies?
SSDI is a federal program that provides monthly financial assistance to people with disabilities who are unable to work.
To qualify, you must have a medical condition that meets the SSA’s definition of disability and have worked long enough to have earned sufficient work credits by paying Social Security taxes.
The application process requires submitting detailed medical records and work history to prove eligibility.
The Social Security Administration (SSA) defines disability as the incapacity to be involved in any substantial gainful activity due to a physical or mental impairment expected to last at least 12 months or result in death.
This strict definition means that not everyone with a health condition qualifies, but those who do receive vital financial assistance.
Can You Work While Receiving SSDI?
Yes, you can work while receiving SSDI benefits.
The SSA has developed rules and programs to encourage people to try working again, without the immediate risk of losing their monthly payments.
These rules are designed to support your transition back to employment, whether you want to work part-time or eventually return to full-time work.
Understanding the Trial Work Period
The Trial Work Period (TWP) is one of the most essential features for SSDI recipients who want to try working.
Throughout the TWP, you can work for up to nine months (not necessarily consecutive) within a rolling 60-month window.
During these months, you will continue to collect your full SSDI benefit, despite how much you earn.
This allows you to test your ability to work without worrying about your benefits being terminated immediately.
What Happens After the Trial Work Period?
After successfully using your nine-month Trial Work Period (TWP), you automatically enter a 36-month Extended Period of Eligibility (EPE).
This 36-month phase allows you to keep your SSDI benefits if your earnings are below the “Substantial Gainful Activity” (SGA) level, in any month, which is set by the SSA each year.
If your earnings go above this level, your benefits may be suspended, but not terminated.
Supposing your income drops below the SGA again, your benefits can be reinstated without the need for a new application.
Importance of Reporting Your Earnings
Timely disclosure of all work activity and earnings to the SSA is a mandatory condition of SSDI eligibility.
Keeping accurate records and promptly notifying the SSA helps you avoid overpayments, penalties, or interruptions in your benefits.
Always keep copies of your pay stubs and correspondence with your employer.
Ticket to Work Program
The Ticket to Work program is a free and voluntary service for Social Security Disability Insurance (SSDI) recipients who want to explore employment options.
Through this program, you can access job training, career counseling, and job placement services.
Participating in Ticket to Work does not affect your SSDI payments and gives you extra support as you transition back to work.
Health Insurance and Work
Another common concern is health insurance. If you qualify for SSDI, you are eligible for Medicare after a waiting period.
Even if your SSDI payments stop because you are working, you may be able to keep your Medicare coverage for an extended period, providing peace of mind as you re-enter the workforce.
Planning Your Next Steps
Going back to work while receiving SSDI benefits is possible, but it requires careful planning and a thorough understanding of the rules.
Consider consulting with a qualified disability advocate or a Social Security representative to discuss your situation and explore your options.
They can help you navigate the process and ensure you make the best choices for your financial and personal well-being.
Unlock Your Potential Without Sacrificing Your Benefits
Applying for SSDI does not mean you have to give up on working forever.
With the SSA’s supportive programs, you can explore work opportunities, gain new skills, and gradually return to employment without immediately losing your benefits.
Take advantage of the resources available to you, remain well-informed, and make choices that promote your independence and align with your long-term goals.
Remember, SSDI is here to support you as you rebuild your life. Utilize the available resources and take confident steps toward a brighter future.
HOW DO YOU FEEL ABOUT FASHION?
COMMENT OR TAKE OUR PAGE READER SURVEY
Featured
Tap to read…