Can You Work While Applying For Social Security Disability

Last Updated on August 18, 2024 by Muzammil Ijaz

You may wonder, can you work while applying for Social Security Disability? It’s a common question among those navigating the complexities of disability benefits. In this informative post, we will explore the important factors to consider when you are thinking about working while applying for Social Security Disability. Understanding the rules and limitations can help you make informed decisions about your financial and medical support options. Let’s explore into the details together.

Key Takeaways:

• Receiving SSDI benefits: You can work while applying for Social Security Disability Insurance (SSDI), but there are limitations on how much you can earn each month without affecting your benefits.
• Substantial Gainful Activity (SGA): If you earn more than the SGA limit set by the Social Security Administration, your SSDI benefits may be affected. In 2021, the SGA limit is $1,310 per month for non-blind individuals.
• Trial work period: The SSA offers a trial work period to allow SSDI recipients to test their ability to work without jeopardizing their benefits. During this period, you can work and still receive full benefits regardless of how much you earn.

Eligibility for Social Security Disability

What is Social Security Disability?

Before stepping into the eligibility criteria for Social Security Disability (SSD) benefits, it’s crucial to understand what SSD actually is. SSD is a program run by the Social Security Administration that provides financial assistance to individuals who are unable to work due to a severe medical condition that is expected to last for at least one year or result in death.

Who is eligible for SSD benefits?

Any individual who has worked and paid into the Social Security system through payroll taxes is eligible to apply for SSD benefits. To qualify for SSD benefits, you must not only meet the Social Security Administration’s definition of disability but also have accumulated enough work credits. The number of work credits required depends on your age at the time you become disabled.

One key point to remember is that you must have a substantial work history to be eligible for SSD benefits. Your work history is used to determine if you have paid enough into the Social Security system to qualify for the program.

Working While Applying for SSD

Can you work while applying for SSD?

One important question that often comes up when considering applying for Social Security Disability (SSD) is whether you can continue working while going through the application process. The answer is yes, you can work while applying for SSD, but there are some restrictions and guidelines you need to be aware of.

How much can you earn while applying for SSD?

On the financial side of things, the Social Security Administration (SSA) has specific limits on how much you can earn while applying for SSD. For 2021, if you are working and earning more than $1,310 per month (or $2,190 if you’re blind), you generally will not be considered disabled under SSA rules. This is known as the substantial gainful activity (SGA) limit.

Understanding these limits is crucial because exceeding them could jeopardize your chances of being approved for SSD benefits. It’s vital to keep track of your earnings and make sure you stay below the SGA limit to avoid any issues with your application.

The Impact of Work on SSD Applications

How work affects SSD eligibility

Applications for Social Security Disability (SSD) benefits can still be pursued even if you are working. According to Continuing disability benefits while working, there are specific rules in place that allow you to continue receiving benefits while working. It’s important to understand these rules to ensure that your work does not negatively impact your SSD application.

The role of substantial gainful activity (SGA)

An necessary factor to consider in your SSD application is the concept of substantial gainful activity (SGA). SGA refers to the level of income that Social Security Administration considers as substantial work. If your income exceeds the SGA limit, it may affect your eligibility for SSD benefits. SGA acts as a threshold to determine whether your work is significant enough to be considered as substantial gainful activity.

Exceptions to the SGA Rule

Blindness and SGA

Your ability to work may be impacted by your visual impairment, but there are exceptions to the Substantial Gainful Activity (SGA) rule for individuals who are blind. If you are blind, the SGA earnings limit is higher than for non-blind individuals. This means you may be able to earn more and still qualify for Social Security Disability benefits.

Trial work periods and SGA

To provide additional support for individuals trying to return to work, trial work periods are offered by the Social Security Administration. During a trial work period, you can test your ability to work for at least nine months. You are allowed to earn any amount of money during this period without jeopardizing your eligibility for benefits, as long as you report your work activity.

With trial work periods, you have the opportunity to ease back into the workforce without immediately losing your Social Security Disability benefits. This provision encourages individuals to explore employment options and regain financial independence.

Reporting Work Activity to the SSA

Why reporting work is crucial

Not reporting work activity to the Social Security Administration (SSA) while applying for Social Security Disability benefits can have serious consequences. If you fail to report your work or underestimate the amount of work you are doing, it may be considered as an attempt to defraud the system. This could lead to your benefits being revoked and even legal action being taken against you.

How to report work activity to the SSA

When you are applying for Social Security Disability benefits, it is crucial to accurately report any work that you are doing, including part-time or volunteer work. You should inform the SSA about the tasks you can and cannot perform due to your disability. Be sure to keep detailed records of your work activities, including the number of hours worked and the tasks completed.

Work with your Social Security Disability advocate or representative to ensure that all your work activity is reported correctly to the SSA. They can help you navigate the process and avoid any discrepancies that could jeopardize your benefits.

Consequences of Not Reporting Work

Many individuals may be tempted not to report work while applying for Social Security Disability (SSD) benefits, thinking they can still receive benefits while earning additional income. However, failing to report work can have serious repercussions.

Penalties for not reporting work

Any failure to report work while applying for SSD benefits can result in penalties from the Social Security Administration (SSA). If you are found to be working and earning above the substantial gainful activity (SGA) level, which is $1,310 per month in 2021, your benefits may be discontinued, and you may have to pay back any benefits you were not entitled to due to unreported work.

Impact on SSD benefits

The impact on your SSD benefits from not reporting work can be significant. Not reporting work can lead to a suspension or termination of your benefits, leaving you without the financial support you may rely on. Additionally, if you are found to have been working above the SGA level without reporting it, you may be required to repay any benefits you received during that period.

Final Words

From above, it is clear that applying for Social Security Disability can be a complicated process, especially when it comes to working while applying. Note, it is important to be honest about your work activities and income when applying for benefits. Consulting with a knowledgeable attorney or advocate can help you navigate the process and ensure you have the best chance of receiving the benefits you are entitled to. Good luck on your journey towards obtaining Social Security Disability benefits!

Q: Can you work while applying for Social Security Disability?

A: Yes, you can work while applying for Social Security Disability, but there are limitations on how much you can earn. If you earn more than the substantial gainful activity (SGA) limit set by the Social Security Administration, your application for disability benefits may be denied.

Q: What is the substantial gainful activity (SGA) limit?

A: The SGA limit is the maximum amount of income you can earn while still being eligible for Social Security Disability benefits. As of 2022, the SGA limit is $1,350 per month for non-blind individuals and $2,260 per month for blind individuals. If you earn more than these amounts, you may not qualify for disability benefits.

Q: Are there any exceptions to the SGA limit for working while applying for Social Security Disability?

A: Yes, there are certain work incentives and programs, such as the Ticket to Work program, that allow individuals to work and earn income while receiving disability benefits. These programs provide support and resources to help individuals transition back to work gradually without losing their benefits. It’s important to inform the Social Security Administration about any work you are doing while applying for disability benefits to ensure compliance with the rules and regulations.