If you are on disability, you may wonder how many hours you can work while still receiving your benefits. The answer to this question is not straightforward, as it depends on several factors. In this article, we will explore the guidelines that govern working while on disability.
Understanding Disability Benefits
Before we dive into the specifics of working while on disability, it’s important to understand what disability benefits are and how they work. Disability benefits are payments made to individuals who are unable to work due to a medical condition that is expected to last at least a year or result in death. These benefits are designed to help individuals cover their living expenses and medical costs while they are unable to work.
Social Security Disability Income (SSDI)
Social Security Disability Income (SSDI) is a federal program that provides disability benefits to individuals who have worked and paid into the Social Security system. To be eligible for SSDI, you must have a medical condition that prevents you from working and meets the Social Security Administration’s (SSA) definition of disability.
If you are receiving SSDI, you can work while still receiving your benefits. However, there are limits on how much you can earn before your benefits are reduced or eliminated. In 2023, the monthly earnings limit for SSDI beneficiaries is $1,310. If you earn more than this amount, your benefits will be reduced by $1 for every $2 you earn above the limit.
Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is a federal program that provides disability benefits to individuals who have low income and limited resources. To be eligible for SSI, you must have a medical condition that prevents you from working and meet the SSA’s definition of disability.
If you are receiving SSI, you can work while still receiving your benefits. However, there are limits on how much you can earn before your benefits are reduced or eliminated. In 2023, the monthly earnings limit for SSI beneficiaries is $825. If you earn more than this amount, your benefits will be reduced by $1 for every $2 you earn above the limit.
Ticket to Work Program
If you receive SSDI or SSI and want to work, you may be eligible for the Ticket to Work program. This program provides individuals with disabilities access to employment-related services, such as job training and placement, while still receiving their disability benefits.
The Ticket to Work program allows you to explore your work options and try different jobs without risking your disability benefits. Additionally, if you earn enough money to stop receiving your disability benefits, but then find that you cannot work due to your disability, you can have your benefits reinstated without having to reapply.
Conclusion
In conclusion, if you are on disability, you can work while still receiving your benefits. However, there are limits on how much you can earn before your benefits are reduced or eliminated. The specific limits depend on whether you are receiving SSDI or SSI. Additionally, if you are interested in working, but are concerned about losing your benefits, you may be eligible for the Ticket to Work program.
If you have any questions or concerns about working while on disability, it’s important to contact your local Social Security office. They can provide you with personalized guidance and help you understand how working will affect your benefits. Remember, the goal of disability benefits is to help you maintain your quality of life, so it’s important to take advantage of any resources available to you.
