How Much Can I Earn on SSDI in 2019?
The Social Security Disability Insurance (SSDI) program is designed to provide financial assistance to individuals who are unable to work due to a disability. However, many people wonder how much they can earn while receiving SSDI benefits. In this article, we will explore the earning limits for SSDI in 2019 and answer some frequently asked questions.
1. What is the maximum amount of income I can earn while on SSDI in 2019?
The Social Security Administration (SSA) has set a substantial gainful activity (SGA) limit for individuals receiving SSDI benefits. In 2019, the SGA limit is $1,220 per month for non-blind individuals and $2,040 per month for blind individuals.
2. What happens if I earn more than the SGA limit?
If you earn more than the SGA limit, the SSA considers you to be engaged in substantial gainful activity and may determine that you are no longer disabled. Your SSDI benefits may be suspended or terminated.
3. Are there any exceptions to the SGA limit?
Yes, the SSA has a trial work period (TWP) during which you can earn more than the SGA limit without affecting your SSDI benefits. In 2019, any month in which your earnings exceed $880 counts as a trial work period month. The TWP lasts for nine months within a rolling 60-month period.
4. What happens after the trial work period?
After the trial work period, if your earnings remain above the SGA limit, your SSDI benefits will be subject to a process called the extended period of eligibility (EPE). During the EPE, you will continue to receive benefits for any month your earnings do not exceed the SGA limit. If your earnings fall below the SGA limit, your benefits will be reinstated.
5. Are there any deductions from my earnings that may affect my SSDI benefits?
Yes, the SSA applies certain work-related deductions to your earnings. These deductions include impairment-related work expenses, subsidies and special conditions, and subsidies for blind individuals.
6. Can I work part-time while receiving SSDI benefits?
Yes, you can work part-time while receiving SSDI benefits, as long as your earnings do not exceed the SGA limit. Remember to report any changes in your income to the SSA.
7. Can I receive SSDI benefits if I am self-employed?
Yes, you can receive SSDI benefits if you are self-employed, but your earnings will be subject to the same SGA limits and deductions as individuals who are employed by others.
8. Can I earn additional income from sources other than work?
Yes, you can earn additional income from sources such as investments, rental properties, or other forms of passive income. These sources of income do not count towards the SGA limit.
9. Can I receive SSDI benefits if I am currently working and earning less than the SGA limit?
If you are currently working and earning less than the SGA limit, you may still be eligible for SSDI benefits if the SSA determines that your work is not considered substantial gainful activity.
10. Can I receive both SSDI and Supplemental Security Income (SSI) benefits at the same time?
Yes, it is possible to receive both SSDI and SSI benefits simultaneously. However, your total income from both sources must still fall within the income limits set by the SSA.
11. Can my SSDI benefits be affected if I receive a pay raise or promotion at work?
Yes, if your new earnings after a pay raise or promotion exceed the SGA limit, your SSDI benefits may be affected.
12. Can my SSDI benefits be affected if I work irregular hours or have fluctuations in income?
Yes, if your average monthly earnings exceed the SGA limit over a continuous period of time, your SSDI benefits may be impacted.
13. Can I still receive Medicare benefits if my SSDI benefits are suspended due to earning above the SGA limit?
Yes, you are eligible to receive Medicare benefits for at least 93 months after the end of your nine-month trial work period, regardless of whether your SSDI benefits are suspended or terminated.
14. Can I still receive Social Security Disability benefits if I am no longer eligible for SSDI benefits due to exceeding the SGA limit?
If your SSDI benefits are suspended or terminated due to earning above the SGA limit, you may still be eligible for Social Security Disability Insurance (SSDI) benefits if you meet the eligibility criteria, including having the required number of work credits.
In conclusion, while receiving SSDI benefits, it is important to be aware of the SGA limits and how your earnings may affect your benefits. The SSA provides certain exceptions and deductions to ensure individuals have opportunities to work and increase their income without losing their benefits. It is advisable to report any changes in your income to the SSA to ensure accurate calculations and continued eligibility for SSDI benefits.