How Much Can I Earn and Still Collect SSDI?

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It is possible to work while collecting SSDI, but there are rules that apply during that time.

The Social Security Administration (SSA) encourages you to go back to work and offers a Trial Work Period (TWP) that allows you to test your ability to work. The SSA gives up to nine months, during a specified five-year period, to try working while still being considered disabled and collecting your SSDI benefits. Any compensated work you do, whether part time or full time, is deemed to be work.

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How Much Can I Earn and Still Collect SSDI?

  1. 1. How Much Can I Earn and Still Collect SSDI?It is possible to work while collecting SSDI, but there are rules that apply during thattime.The Social Security Administration (SSA) encourages you to go back to work and offersa Trial Work Period (TWP) that allows you to test your ability to work. The SSA givesup to nine months, during a specified five-year period, to try working while still beingconsidered disabled and collecting your SSDI benefits. Any compensated work you do,whether part time or full time, is deemed to be work. However, in 2012, any month inwhich your earnings do not exceed $720 is not counted toward your nine-month limit. Ifyou made more than $720 in one month in 2011, that month will count as a Trial WorkPeriod month. You can check ssa.gov for the current monthly earnings that will trigger aTrial Work Period month.In the five-year window following that date, you can use nine months to attempt working,and it will not count against you. During this trial period, you will have to report yourwork activity, your income and your expenses to the SSA. Social Security will receiveyour earnings report, but it should not count against your benefits when they see theearnings for the work. The nine months do not have to be consecutive; they are simplynine months during the five-year period.If your gross income is more than the Trial Work Period amount set for that year and islonger than nine months during the five year period, SSA will re-evaluate your case andmay stop your disability benefits. At the end of the Trial Work Period, you can stillreceive your benefits if you do not make more than the substantial gainful activity (SGA)amount. In 2012, SGA is $1,010 per month for non-blind individuals, and $1,690 forthose who are blind.An Extended Trial Work Period offers you an additional nine months during a three-yearwindow where the same rules apply. The Extended Work Period begins the day after theTrial Work Period ends.During this Extended Trial Work Period, if you are testing the work force, SocialSecurity may decide to stop your SSDI benefits. Typically, you cannot make more than$1,010 a month (in 2012) or you may lose your benefits. The work expenses you havedue to your disability are deducted when your earnings are determined. If you have extrawork-related expenses, then your earnings could be higher than $1,010 per month (in2012) before impacting your benefits. These extra work-related expenses include itemsand services that are necessary for you to work, such as transportation to and from work,a wheelchair, counseling services, etc.
  2. 2. If your benefits are stopped during this time, there is an opportunity to get them reinstatedwithout the need to reapply for benefits. Within five years of returning to the work forceand leaving again due to disability, you will be eligible for “expedited reinstatement.”During the Trial Work Period, they will not stop your benefits; during the Extended TrialWork Period, Social Security can stop your benefits.Social Security provides a variety of benefits and the Trial Work Period does not apply toall of them. Disabled widow and widowers, disabled child, and Social Security DisabilityInsurance benefits are eligible for the Trial Work Period. SSI, or Supplemental SecurityIncome, is not eligible.While your application for SSDI is pending, if you choose to work part time, it couldhave a significant impact on your claim for benefits. In 2012, earning less than $1,010 amonth is considered to be less than substantial gainful activity, which means that thework you perform in that job will not count against you. However, performance of anywork, even if only part time, will be a factor in the determination of whether you canperform other work in a longer, sustained period of time. Any work performed during theSSDI application process could result in your claim being denied.Before doing any work for income, check with your Social Security disabilityrepresentative to ensure that you are not harming your SSDI claim for benefits.

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