Navigating the intersection of full-time employment and eligibility for Social Security Disability Benefits (SSDI) can be a complex and crucial consideration for many individuals. In this blog post, we'll explore the factors that determine whether you can work full-time and still qualify for SSDI.
Understanding Social Security Disability Benefits: SSDI is designed to provide financial support to individuals who are unable to work due to a severe medical condition that is expected to last at least one year or result in death. The Social Security Administration (SSA) evaluates your ability to engage in substantial gainful activity (SGA) to determine eligibility.
Substantial Gainful Activity (SGA): SGA is a key concept when it comes to SSDI eligibility. As of 2024, the monthly income threshold for SGA is $1,550 for non-blind individuals and $2,590 for blind individuals. If your monthly earnings exceed these limits, it may impact your eligibility for SSDI benefits.
Trial Work Period (TWP): The SSA provides a safety net for those attempting to return to the workforce through a Trial Work Period (TWP). During a TWP, you can test your ability to work for at least nine months within a rolling 60-month period without jeopardizing your SSDI benefits. However, earnings exceeding a specific limit during the TWP may impact your eligibility.
Extended Period of Eligibility (EPE): Following the TWP, the EPE begins, during which you can still receive benefits for any month your earnings fall below the SGA threshold. The EPE continues for 36 months, providing a transition period as you gradually reintegrate into the workforce.
Continuing Disability Review (CDR): The SSA conducts periodic CDRs to assess your ongoing eligibility for SSDI benefits. During these reviews, both medical and work-related factors are considered. If your medical condition improves or your earnings exceed the SGA limit, it may affect your eligibility.
Conclusion: While it is possible to work full-time and still qualify for SSDI benefits, careful consideration of SGA limits, TWP, EPE, and CDRs is essential. Consulting with a legal professional experienced in Social Security Disability can provide personalized guidance based on your unique situation, ensuring you make informed decisions while maintaining financial stability and access to necessary benefits.
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