Introduction

Returning to work while receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) can be a complex decision. Whether you will lose your benefits depends on your earnings, the type of work you do, and the specific conditions of your disability. This guide will explore the key considerations, including the Trial Work Period (TWP), Substantial Gainful Activity (SGA) threshold, and Extended Period of Eligibility (EPE).

Trial Work Period (TWP)

The Trial Work Period (TWP) allows SSDI beneficiaries to test their ability to work without the immediate risk of losing their benefits. During this period, which lasts up to nine months, recipients can earn as much as they wish without impacting their existing benefits. This provision is designed to help individuals transition back into the workforce without the fear of losing their SSDI benefits.

Substantial Gainful Activity (SGA) Threshold

After the TWP, Social Security determines if SSDI or SSI recipients have engaged in Substantial Gainful Activity (SGA). The SGA threshold for non-blind individuals in 2023 is $1,470 per month, and for blind individuals, it is $2,460 per month. If earnings exceed these limits, SSDI benefits may be suspended.

Here are the key points to understand:

Loss of Benefits: Once you exceed the SGA threshold, your SSDI benefits may be temporarily suspended. However, you can earn your way back into benefits if your earnings fall below the limit in subsequent months. Monthly Evaluation: The SSA evaluates your earnings on a monthly basis, so you can receive partial or full benefits if your income drops below the SGA threshold in any given month. Recovery: If your income falls below the SGA threshold for nine consecutive months, your benefits could be restored even if your earnings have exceeded the SGA limit in previous months.

Extended Period of Eligibility (EPE)

After the TWP, beneficiaries enter a three-year Extended Period of Eligibility (EPE). If earnings fall below the SGA limit during this period, SSDI beneficiaries can reclaim benefits without reapplying. This provision provides an additional layer of security and flexibility to those transitioning back to work.

Reporting Requirements

It is crucial to report your work activity and earnings to the Social Security Administration (SSA). Failing to report your earnings can lead to penalties, incorrect benefit payments, or even the suspension of your benefits. Ensure compliance by reporting all relevant information in a timely manner.

Other Considerations

Beyond the TWP, SGA, and EPE, there are various work incentives and programs, such as the Ticket to Work program, designed to support beneficiaries in their transition back to work. These programs offer job training, employment support, and other resources to help maintain benefits while increasing income.

If you are considering returning to work, it is advisable to consult with a Social Security representative or a disability advocate. Personalized advice can help you make the best decision based on your specific circumstances, ensuring the continuity of your SSDI or SSI benefits.

Conclusion

Returning to work with SSDI or SSI is possible, but it requires careful planning and understanding of the rules. By familiarizing yourself with the TWP, SGA, EPE, and reporting requirements, you can navigate the process successfully and maintain your benefits as you restart your career.