Can People Work & Still Collect SSDI Benefits?

Many Americans depend on the benefits that they receive from SSDI.  Of course, the amount received depends on a number of factors. SSDI benefits may not cover every claimant’s monthly bills.  Many people wonder if they are able to work in order to earn extra income.  

The simple answer: YES, but here’s what you need to know.  Earning more than $1,220 per month will result in the claimant being denied benefits.  Claimants already receiving benefits could lose their SSDI benefits if they earn more than $1,220 per month.

Social Security Disability Insurance

To be brief, Social Security Disability Insurance (SSDI) is designed to provide an income for people who are unable to work due to illnesses, injuries, or other medical conditions. The degree of disability or type of disability may vary from one recipient to another.  However, simply receiving disability benefits doesn’t mean you can’t work. It depends upon the source of income and the amount.

According to the Social Security Administration’s rules, a person could be eligible for disability benefits if they aren’t able to engage in “substantial gainful activity” or SGA. A number of factors will affect this determination. The work is considered to be “substantial” if it requires substantial physical or mental activity. It’s determined to be “gainful” if it’s performed for profit. 

If the person is typically able to work and earn above $1,220 per month, the person is either not considered to be disabled or not disabled enough to qualify for assistance. This amount changes depending upon the cost of living, so the state the applicant resides in will play a factor.  The amount may be different due to the person’s specific medical condition as well.

Sources of Income

Not all sources of income are treated in the same way. For instance, money received from a personal injury settlement would not qualify as SGA. Other sources of income, such as a trust, annuity, or other protected sources, may not be deemed SGA either. The specifics and details matter in these cases, so it’s worth speaking to an attorney or a qualified Social Security representative to learn more. You can get a free evaluation here To Learn More.

Programs and Assistance

Fortunately, there are organizations and programs that are able to help you navigate the maze of SSDI. As previously stated, there is a threshold when it comes to income, even if it is deemed to be Substantial Gainful Activity. This means you may be able to work part-time hours or at a position that doesn’t provide income significant enough to disqualify you from receiving your disability benefits.

This isn’t something you want to do by yourself. Most resources you find will tell you to speak with an attorney so they can evaluate your case. Every individual’s situation is different, so it’s essential that your specific circumstances are considered.  

As you can see, navigating disability benefits can be difficult. Speak with our Lawyers today to get a free evaluation at 866-350-7229. We have an A+ rating with the Better Business Bureau and have VA Accredited attorneys on staff.