Can You Collect Disability & Work at the Same Time?

Understanding Disability Benefits While Working

 

Navigating the complexities of Social Security Disability Insurance (SSDI) while attempting to maintain some level of employment can be challenging. Many individuals who are receiving SSDI benefits wonder if engaging in any work activity might jeopardize their benefits. The core question is: Can you collect disability and work at the same time?

 

 

The Trial Work Period

 

The Social Security Administration (SSA) allows individuals receiving SSDI to test their ability to work without immediately losing their benefits, through a concept known as the Trial Work Period (TWP). During this period, you can work for nine months (not necessarily consecutive) in a five-year rolling period while continuing to receive full SSDI benefits, regardless of how much you earn. This provides a safety net, allowing you to assess your capacity to work without fear of losing your financial support.

 

 

Understanding Substantial Gainful Activity

 

After the TWP, the critical factor becomes whether your work activity constitutes “Substantial Gainful Activity” (SGA). For 2023, earning more than $1,470 per month ($2,460 if you’re blind) is considered SGA. Engaging in SGA after your trial work period can lead to a termination of benefits, which makes understanding this threshold essential for anyone navigating the balance between working and receiving SSDI.

 

 

Expanded Benefits Through the Extended Period of Eligibility

 

Following the TWP, the SSA provides a 36-month Extended Period of Eligibility (EPE). During this time, you continue to receive benefits for any month your earnings are less than the SGA level. If your earnings surpass this limit, your benefits will cease, but they can be reinstated without reapplying if your earnings fall below the SGA limit.

 

 

Consulting Legal Expertise

 

Managing work and disability benefits is a complex process that can be overwhelming without proper guidance. Legal professionals specializing in Social Security disability can be instrumental in helping you navigate these regulations effectively. At Injury Florida Law Firm P.A., we provide tailored assistance to ensure you understand your rights and obligations, maximizing your security and peace of mind while you explore employment opportunities. Receiving SSDI while testing your ability to return to work requires careful planning and adherence to SSA regulations. Our knowledgeable team is here to answer your questions and support you every step of the way.