Navigating Part-Time Work While on SSDI: Legal Guidelines and Benefits

Can a person on Social Security Disability Insurance (SSDI) work part-time and still keep their benefits? This is a common question that arises among recipients of SSDI. The answer depends on the individual's circumstances and how much they earn. Understanding the legal guidelines and benefits involved is crucial for those looking to work while receiving SSDI.

Understanding Substantial Gainful Activity (SGA): The Key to SSDI Eligibility

A person on SSDI may legally work part-time as long as their gross earnings do not exceed the Substantial Gainful Activity (SGA) threshold. As of 2024, the SGA limit for non-blind individuals is $1,550 per month. This means that if your gross monthly earnings from work are (leq$1,550), you can maintain your SSDI benefits. However, if your earnings are (geq$1,550), you may become disqualified for SSDI benefits due to earning.

The SGA threshold is adjusted annually and is expected to increase slightly in 2025 to further reflect changes in the cost of living. Therefore, it's important to keep track of these changes to ensure ongoing eligibility.

How Part-Time Earnings Impact SSDI Benefits

If you work part-time and earn more than the SGA threshold, your SSDI benefits could be reduced or even eliminated. However, it's crucial to note that these earnings can mitigate the need for government assistance, helping you move toward self-sufficiency. The amount of gross monthly earnings matters more than the number of hours worked or the job's specific income.

Exploring Work Incentives and Programs

There are several programs and resources designed to help SSDI recipients find and maintain employment. One major such program is the Ticket to Work. This program offers job training, work experiences, and other services to assist recipients in becoming self-supporting.

vThe Ticket to Work program temporarily waives the SGA earnings limit, allowing you to continue collecting your SSDI benefits while you engage in trial work with participating employers. If you successfully find a job and are no longer disabled, the benefits will resume if you have to stop working due to your medical condition worsening.

Exploring Other Work Incentives

SSDI beneficiaries are also afforded a trial work period of up to nine months to test their ability to work. During this period, you can receive your full benefit regardless of your earnings. The trial period can be spread over five years, providing recipients with a flexible and supportive framework to explore employment opportunities.

For more detailed information on these work incentives, refer to the Social Security publication or take a look at the SSA Red Book for additional guidance and resources.

Conclusion

Working part-time while on SSDI is entirely possible within certain earnings limits, provided you adhere to the Substantial Gainful Activity threshold. Programs like the Ticket to Work and the trial work period offer valuable support to help you transition to self-sustaining employment. By staying informed about these benefits and guidelines, SSDI recipients can make the most of their work opportunities while maintaining their eligibility for these important benefits.