Can you work and get Social Security Disability? This is a question that plagues many individuals who are struggling with disabilities. The answer, however, is not straightforward and depends on various factors. In this article, we will explore the intricacies of working while receiving Social Security Disability benefits and provide guidance on how to navigate this complex situation.
Social Security Disability Insurance (SSDI) is a federal program designed to provide financial support to individuals who are unable to work due to a disabling condition. To qualify for SSDI, an individual must meet certain criteria, including having worked and paid into the Social Security system for a certain number of years. While SSDI benefits can be a lifeline for those who are unable to work, the question of whether one can work while receiving these benefits remains a significant concern.
Understanding the Work Requirements
The Social Security Administration (SSA) has specific rules regarding work while receiving SSDI benefits. These rules are designed to ensure that individuals are not able-bodied and capable of working. The primary work requirement is the concept of “substantial gainful activity” (SGA). If an individual earns more than the SGA limit, which is adjusted annually, they may be considered to be engaging in SGA and could lose their SSDI benefits.
Exempt Activities
It is important to note that not all types of work will result in the loss of SSDI benefits. There are certain activities that the SSA considers exempt from SGA. These include volunteer work, work performed for a family member, or work that does not pay a substantial amount of money. Additionally, if an individual’s work is considered “rehabilitation” or “vocational rehabilitation” work, it may also be exempt from SGA.
Reporting Work Activity
If an individual is receiving SSDI benefits and wishes to work, it is crucial to report any work activity to the SSA. Failure to report work can result in penalties, including the loss of benefits. The SSA provides a form called SSA-821, which must be completed and submitted to report work activity.
Transitioning toSSI
In some cases, individuals may be able to work while receiving SSDI benefits, but as their condition improves, they may transition to Supplemental Security Income (SSI). SSI is a needs-based program that provides financial assistance to individuals with limited income and resources. If an individual’s income or assets increase, they may no longer qualify for SSDI but could still be eligible for SSI.
Seeking Professional Advice
Navigating the world of SSDI and work can be challenging. It is advisable to seek professional advice from a qualified attorney or a disability advocate who can help you understand the rules and regulations and guide you through the process. They can also help you report work activity accurately and ensure that you maintain your eligibility for SSDI benefits.
In conclusion, the question of whether you can work and get Social Security Disability is not a simple yes or no. It depends on your specific circumstances, the type of work you are doing, and your ability to meet the SSA’s work requirements. By understanding the rules and seeking professional advice, you can make informed decisions about your work and SSDI benefits.
