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The Law Offices of Martin Taller
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Call to speak to us now
714-450-6689
Free consultations. Se Habla Español

You actually can work while receiving SSD benefits

You may think that if someone is receiving Social Security Disability Insurance that they are barred from working. However, this is actually a myth. There are ways that someone receiving SSDI benefits could work -- but there are limitations to it and you have to make sure that you are going about this process in a compliant way.

The first thing to understand about this topic is that there is a limit to how much you can make per month while still collecting SSDI benefits. This limit is called Substantial Gainful Activity, or SGA. If you exceed the SGA threshold then you are not eligible for SSDI benefits. For people who are blind, the SGA is $1,820 per month. For everyone else, it is $1,130 per month.

Now, you can circumvent the SGA threshold by utilizing a "trial work period." This means that you are working as normal while you test yourself under the disability that you are living. During this time, you won't be penalized for exceeding the SGA. However, the trial work period only lasts for nine months. Any month that you earn more than $810 counts towards your nine-month allotment for your trial work period. You also have 60 months before your trial work period runs out.

You can also offset your earnings with expenses that are related to your disability. For example, you could deduct certain transportation expenses for getting to work if your disability prohibits you from taking certain forms of transportation. Those expenses can be deducted from the income that would go towards your SGA.

Source: Motley Fool, "Can You Work While Receiving Social Security Disability?," Maurie Backman, May 16, 2016

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The Law Offices Of Martin Taller

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