How to Secure a Part-Time Job While Receiving SSDI Benefits

Many individuals with disabilities seek SSDI benefits from the Social Security Administration (SSA) to ensure their financial stability. However, many wonder if it's possible to work part-time while receiving these benefits. The answer is yes—both legally and ethically—provided that certain conditions are met.

Understanding the Rules and Restrictions

Working part-time with SSDI benefits is not as straightforward as one might think. There are strict rules and limitations in place to ensure the program's integrity. You can engage in work for up to nine months, known as the Trial Work Period (TWP), without facing any consequences. After this period, your earnings must stay below the Substantial Gainful Activity (SGA) limit, which is currently around $1,640 per month as of 2023. If you exceed this limit, your benefits may be reviewed, and the SSA may deem you no longer disabled.

It's important to note that these rules do not apply to the Supplemental Security Income (SSI) program, which is a needs-based disability program.

The Trial Work Period (TWP)

The Trial Work Period (TWP) is a period during which you can work without having your benefits affected. Essentially, you can earn up to a certain amount and still continue receiving SSDI without penalties. This is a valuable period to test the feasibility of working while receiving benefits.

Substantial Gainful Activity (SGA)

Once the TWP ends, your earnings must fall below the SGA limit. If you earn above this limit, your SSDI benefits will be discontinued. However, if you remain below SGA, you can continue to receive benefits. If you cease working due to other issues, you may enter an extended period of entitlement (EPE), during which your claim can be handled quickly if you return to a disabled status.

Programs to Support Employment

For individuals with disabilities looking to work, the Ticket to Work (TTW) program is a valuable resource. This program offers job training, assessment, and other services to help individuals become self-sufficient. Through the TTW program, the SSA waiver temporarily removes the SGA earnings limits, allowing participants to continue collecting their disability benefits while engaging in trial work with participating employers. In many cases, if a participant finds a job through the program, they can transition off SSDI benefits.

Seeking Assistance

If you're unsure about how to navigate these rules or need assistance finding a part-time job, here are a few resources to consider:

Your Social Worker: Social workers can provide guidance and connect you with resources. Local Non-Profit Organizations: These organizations can provide specific assistance based on your needs. Your Doctor: They can offer insights into workable jobs given your medical condition and provide you with resources.

Examples of Part-Time Jobs

Here are a few examples of part-time jobs that individuals with disabilities might consider:

Walmart Greeter: A physically manageable position offering flexibility and consistent hours. Uber Driver: An option for those comfortable driving, allowing for a flexible schedule. Data Analyst: A job that can be done remotely with flexible hours, depending on the specific requirements.

Remember, each individual's situation is unique, and the best type of part-time job will depend on your specific circumstances and medical condition.

Conclusion

While working part-time while receiving SSDI benefits comes with challenges, it is possible with careful planning and adherence to the rules. Utilizing programs like Ticket to Work and seeking support from social workers, doctors, and local non-profit organizations can help you navigate these processes successfully.