Receiving Social Security Disability Insurance (SSDI) benefits can provide crucial financial support when a disabling condition prevents you from working full-time. However, you might wonder if working part-time while receiving benefits is possible. The good news is that the Social Security Administration (SSA) encourages beneficiaries to explore their work potential and offers programs to support this goal.
However, it’s essential to understand the rules and limitations surrounding part-time work and SSDI benefits. Earning too much income can jeopardize your eligibility. In Michigan, as in the rest of the U.S., the SSA uses specific thresholds to determine if your work activity affects your benefits. Familiarizing yourself with these guidelines is essential to protect your financial stability and continue receiving the support you need.
Critical considerations for part-time work and SSDI
Understanding the interplay between work and SSDI benefits is crucial to making informed decisions about your employment options. Here’s what you need to know:
The trial work period
The Trial Work Period (TWP) is a program that allows SSDI beneficiaries to test their ability to work for up to nine months without jeopardizing their benefits. During the TWP, you can earn any amount of income and still receive your full SSDI benefits. This period offers a valuable opportunity to explore your work capabilities and gain confidence in your abilities.
Substantial gainful activity (SGA)
The SSA uses the SGA threshold to determine if your work activity is substantial enough to affect your benefit eligibility. In 2023, the SGA limit for non-blind individuals is $1,470 per month. If your earnings exceed this amount, it may indicate that you can perform substantial gainful activity, which could lead to a cessation of your benefits.
Working part-time while receiving SSDI benefits can be a positive step towards financial independence and personal fulfillment. The SSA provides programs like the Trial Work Period to support your efforts. However, it’s vital to be aware of the SGA limit and other rules that govern work activity while on SSDI. If you’re considering part-time work, consult with a qualified professional or reach out to the SSA directly to ensure you understand the implications for your benefits and can make informed decisions about your future. Remember, the goal is to find a balance that allows you to pursue meaningful work while maintaining the financial security you need.
