Even with a disability that prohibits you from working full-time, you may want to earn extra income or remain active in your career. If you receive Social Security Disability Insurance, you may wonder whether you can work part-time while still receiving benefits.
If you wish to get a job while collecting SSDI, it is important to understand your options.
Permissible limits
The Social Security Administration acknowledges that some individuals with disabilities may want to engage in part-time work. Fortunately, SSDI rules allow recipients to work without immediately losing their benefits. The key lies in staying within specific income limits set by the SSA.
Trial work period
SSDI recipients may begin a trial work period during which they can work and earn any amount for up to nine months. This period serves as a testing phase, enabling individuals to assess their ability to work without jeopardizing their benefits.
Substantial gainful activity
After the trial work period, the SSA evaluates whether the income earned qualifies as substantial gainful activity. As of 2024, the SGA limit is $1,550 per month for non-blind individuals. Exceeding this limit may lead to a reduction or termination of SSDI benefits.
Reporting earnings
Recipients must report their earnings to the SSA accurately. Timely communication ensures the proper adjustment of benefits, preventing overpayments or complications with the disability support system.
Flexibility and support
One of the driving factors behind the SSDI program is to provide financial assistance while allowing flexibility for individuals to explore part-time work. This approach recognizes the varied capabilities and aspirations of those with disabilities.
As long as you adhere to these parameters, you can work part-time while receiving SSDI.
