Can You Work Part Time On Social Security Disability?

Understanding the financial constraints that come with living on Social Security Disability (SSD) benefits is a critical issue for many.

It often leads to the pressing question: Is it possible to work part-time to supplement income without risking these essential benefits? Yes, but the balance between the two is crucial and requires careful adherence to the specific rules and limitations set by the Social Security Administration (SSA).

Will I Lose My Disability If I Work Part-Time?

The fear of losing disability benefits often deters individuals from seeking part-time employment. However, the SSA recognizes the value of work and has provisions that allow for limited work activity.

• Trial Work Period (TWP): SSA provides a Trial Work Period where individuals can test their ability to work for at least nine months within 60 months. During the TWP, you can receive full benefits regardless of how much you earn. As long as you report your work activity, you can qualify for benefits.
• Earnings Thresholds: It’s important to note that the SSA sets specific earning thresholds, also known as Substantial Gainful Activity (SGA), which are adjusted annually. In 2023, for example, earning more than $1,310 per month for non-blind individuals may indicate that you are engaged in SGA, which could affect your benefits.

While the Trial Work Period offers a valuable opportunity to explore employment without immediate impact on your benefits, it’s crucial to proceed with an awareness of what happens post-TWP. The journey into part-time work requires a careful balance, adhering to the SSA’s parameters to ensure ongoing eligibility for disability benefits.

Rules and Restrictions About Working Part Time On Disability

Understanding the rules and restrictions of working while on disability is key to maintaining your benefits.

• Reporting Requirements: All earnings must be reported to the SSA, including changes in work hours, wages, or the type of work.
• Substantial Gainful Activity (SGA): SGA level is a critical factor. If earnings exceed the SGA amount, it may be deemed that you’re able to engage in competitive employment, putting your benefits at risk.
• Extended Period of Eligibility (EPE): After the TWP, you enter an EPE, during which you can receive benefits for any month your earnings fall below the SGA level.
• Continued Medical Coverage: Under certain conditions, you can continue to receive Medicare or Medicaid while working.
• Work Incentives: SSA offers various work incentives, including continued cash benefits and medical coverage.

The Ticket To Work Program

The Social Security Administration (SSA) has a special program called the Ticket to Work Program, designed for those receiving disability benefits, like Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). This program is perfect for SSDI recipients or those on SSI who are thinking about returning to work but are worried about losing their benefits.

Here’s how it works: If you receive SSDI benefits or SSI and want to start working, the Ticket to Work Program helps you do so without immediately losing your monthly benefits. This means you can earn income while still getting some financial support. The idea is to help those who have been unable to work due to their disability but are now ready to try rejoining the workforce.

One key aspect of the program is the income limit. This ensures that while you’re earning income, you’re not going over the limit that would stop your benefits. The program gives you the chance to test your ability to work again.

Unfortunately, if you earn over a certain amount, that signals to the SSA that you might not need SSDI or SSI support anymore.

In short, the Ticket to Work Program is a great way for people on social security disability benefits to explore returning to work.

Navigating The Application Process With Leventhal, Sutton & Gornstein

For those considering part-time work while on disability, or if you’re in the process of applying for SSD benefits, understanding the intricate guidelines and requirements is crucial. This is where our team at Leventhal, Sutton & Gornstein becomes invaluable.

• Excellent Legal Guidance: Our experienced attorneys at Leventhal, Sutton & Gornstein specialize in Social Security Disability law and understand the nuances of working while receiving benefits.
• Application Support: From the initial application to potential appeals, our team ensures that your case is presented effectively, increasing the likelihood of a successful outcome.
• Individualized Approach: Recognizing that each case is unique, we offer personalized strategies to help you navigate the complexities of SSD benefits while considering part-time work opportunities.
• Ongoing Support: Even after securing benefits, our support continues, helping clients understand and comply with the SSA’s work and reporting requirements.

For individuals on SSD or considering applying for benefits, the prospect of part-time work is a nuanced but feasible option. With professional guidance from Leventhal, Sutton & Gornstein, you can explore this avenue with confidence, ensuring that your rights and benefits are protected.

Whether you are just beginning your SSD journey or looking to understand how part-time work fits into your current situation, we’re here to provide a strong foundation for making informed decisions.