Can You Work and Pursue Social Security Disability- Exploring the Possibilities and Challenges

Can You Work While Filing for Social Security Disability?

Navigating the complexities of Social Security Disability (SSD) can be challenging, especially when it comes to understanding the rules regarding work. One common question that arises is whether individuals can work while filing for SSD. The answer to this question is not straightforward and depends on various factors, including the severity of the disability, the type of work being performed, and the individual’s income level.

Understanding the SSD Program

The Social Security Administration (SSA) administers the SSD program, which provides financial assistance to individuals who are unable to work due to a disabling condition that is expected to last at least one year or result in death. To qualify for SSD, applicants must meet certain criteria, including having worked and paid Social Security taxes for a certain number of years.

Work While Filing for SSD

In general, individuals can work while applying for SSD, but there are specific rules to follow. According to the SSA, applicants can earn up to $1,260 per month in 2021 without affecting their SSD eligibility. This amount is subject to change annually. If an applicant’s income exceeds this limit, their SSD benefits may be suspended, but they can still apply for SSD benefits once their income falls below the limit.

Substantial Gainful Activity (SGA)

The SSA uses the concept of Substantial Gainful Activity (SGA) to determine whether an individual’s work is considered substantial enough to disqualify them from SSD benefits. SGA is defined as engaging in work that earns more than a certain amount per month, which is also subject to change annually. For 2021, the SGA limit is $1,910 per month for individuals who are not blind and $2,880 per month for individuals who are blind.

Reporting Work Activity

It is crucial for SSD applicants to report any work activity to the SSA. Failure to do so can result in penalties, including the suspension or termination of SSD benefits. The SSA requires applicants to report any work-related income, including wages, self-employment income, and other forms of compensation.

Transitioning to SSD Benefits

Once an individual’s disability is approved, they can continue working while receiving SSD benefits. However, if their income exceeds the SGA limit, their SSD benefits may be reduced or suspended. In some cases, individuals may be required to pay back overpayments if their income was not reported accurately.

Seeking Professional Advice

Navigating the SSD program can be complicated, and it is advisable to seek professional advice from an attorney or a disability advocate. These professionals can help individuals understand the rules regarding work while filing for SSD and ensure that they follow the necessary procedures to maintain their eligibility for benefits.

In conclusion, while it is possible to work while filing for Social Security Disability, individuals must adhere to the SSA’s guidelines regarding income limits and reporting work activity. By understanding the rules and seeking professional advice, individuals can increase their chances of successfully transitioning to SSD benefits while maintaining their employment.