How Many Hours Can I Work While on SSDI Benefits?

Balancing work with receiving Social Security Disability Insurance (SSDI) can be confusing. At Appalachian Injury Law, we strive to help our clients understand their rights and limitations. Here is a comprehensive guide on how many hours you can work while on SSDI and what you need to know to stay compliant.

SSDI Benefits and Work: The Basics

SSDI is a federal program that provides financial assistance to individuals who are unable to work due to a disability. The SSA has specific rules about how much you can work while receiving SSDI, primarily focused on the concept of Substantial Gainful Activity (SGA).

Substantial Gainful Activity (SGA)

SGA is the SSA’s measure of work activity that is considered substantial. In 2024, the SGA limit is set at $1,470 per month for non-blind individuals and $2,460 per month for blind individuals. Exceeding these amounts may affect your eligibility for SSDI benefits.

Trial Work Period (TWP)

The TWP allows SSDI recipients to test their ability to work without losing benefits for up to nine months (within a rolling 60-month period). For 2024, any month where you earn over $1,050 counts as a trial work month, but your benefits will continue regardless of your earnings during this period.

Extended Period of Eligibility (EPE)

After the TWP, you enter the EPE, which lasts for 36 months. During this period, you can receive SSDI benefits for any month your earnings fall below the SGA limit. Consistent earnings above the SGA level during the EPE can lead to the termination of benefits.

Common FAQs

1. Can I work while receiving SSDI benefits?

Yes, you can work while receiving SSDI benefits as long as your earnings do not exceed the SGA limit. The TWP and EPE provide opportunities to explore work without immediate loss of benefits.

2. What happens if I earn above the SGA limit during the TWP?

Earnings above the SGA limit during the TWP do not affect your benefits. However, after the TWP, if you consistently earn above the SGA limit, your benefits may be affected.

3. How do I report my earnings to the SSA?

You must report your earnings accurately and promptly to the SSA to avoid overpayments or penalties. Earnings can be reported through the SSA’s online services, by phone, or in person.

Resources for SSDI Recipients

For additional information, consider these resources:

• Social Security Administration (SSA) Official Website
• National Organization of Social Security Claimants’ Representatives (NOSSCR)
• Social Security Disability Resource Center

Understanding how many hours you can work while on SSDI is crucial for maintaining your benefits and exploring work opportunities. At Appalachian Injury Law, we are here to help you navigate this process. If you have any questions or need further assistance, please contact us.

Appalachian Injury Law 489 Highland Crossing Ste 202
East Ellijay, GA 30540
Local: (706) 515-1995