How Many Hours Can I Work While on SSDI Benefits?

Balancing work and Social Security Disability Insurance (SSDI) can be a challenging task. At Chalker Injury Law, we understand the nuances involved and are here to guide you through the process. Here’s an in-depth look at how many hours you can work while on SSDI and the guidelines you need to follow to ensure you remain compliant.

Understanding SSDI Work Guidelines

SSDI provides financial assistance to individuals who are unable to work due to a disability. However, the SSA recognizes that some recipients may still be able to engage in limited work activities. The primary consideration is whether your work constitutes Substantial Gainful Activity (SGA).

Substantial Gainful Activity (SGA)

SGA is the SSA’s benchmark for determining the level of work activity that qualifies as significant. For 2024, the SGA limit is $1,470 per month for non-blind individuals and $2,460 per month for blind individuals. Earnings above these amounts could impact your eligibility for SSDI benefits.

Trial Work Period (TWP)

The TWP allows SSDI recipients to test their ability to work for up to nine months (within a rolling 60-month period) without losing their benefits. During the TWP, you can earn any amount, and for 2024, earnings over $1,050 per month count towards the TWP.

Extended Period of Eligibility (EPE)

Following the TWP, the EPE extends for 36 months. During this period, you can still receive SSDI benefits if your earnings fall below the SGA limit. Consistent earnings above the SGA limit during the EPE can result in the cessation of benefits.

Common FAQs

1. Can I work and still receive SSDI benefits?

Yes, you can work while receiving SSDI benefits as long as your earnings do not exceed the SGA limit. The TWP and EPE provide mechanisms to explore work opportunities without immediate loss of benefits.

2. What is the impact of earning above the SGA limit after the TWP?

If you earn above the SGA limit after the TWP, your benefits may be suspended. However, during the EPE, you can still receive benefits for months where your earnings are below the SGA limit.

3. How should I report my earnings to the SSA?

It is important to report your earnings accurately and timely to the SSA. Failure to do so can result in overpayments or penalties. You can report your earnings through various SSA channels, including online services, phone, or in person.

Understanding the work guidelines while on SSDI can help you make informed decisions and maintain your benefits. At Chalker Injury Law, we are here to assist you every step of the way. If you have questions or need personalized guidance, please reach out to us.