How Much Can I Earn While on Social Security Disability in 2018?
Social Security Disability Insurance (SSDI) provides financial assistance to individuals who are unable to work due to a disability. However, many recipients wonder how much they can earn while on disability and how it might affect their benefits. In this article, we will explore the rules and regulations regarding earning income while on Social Security Disability in 2018.
1. What is the Substantial Gainful Activity (SGA) limit?
The SGA limit is the maximum amount of monthly income you can earn without jeopardizing your eligibility for SSDI benefits. In 2018, the SGA limit is $1,180 for non-blind individuals and $1,970 for blind individuals.
2. Does the SGA limit apply to all disabled individuals?
No, the SGA limit only applies to individuals who are eligible for SSDI benefits. Supplemental Security Income (SSI) recipients have different income limits.
3. Can I work part-time and still receive SSDI benefits?
Yes, you can work part-time and receive SSDI benefits as long as your earnings do not exceed the SGA limit.
4. What if my income exceeds the SGA limit?
If your income exceeds the SGA limit, your benefits may be reduced or terminated. However, there are certain deductions and work incentives that may apply, so it’s important to consult with the Social Security Administration (SSA) or a disability attorney to fully understand your options.
5. Are there any special rules for individuals who are blind?
Yes, blind individuals have a higher SGA limit, allowing them to earn up to $1,970 per month without affecting their SSDI benefits.
6. Are there trial work periods for SSDI recipients?
Yes, SSDI recipients are entitled to a trial work period during which they can earn any amount without affecting their benefits. In 2018, a trial work month is any month in which your earnings exceed $850.
7. How many trial work periods am I entitled to?
You are entitled to nine trial work periods within a rolling 60-month period. Once you have used up all nine trial work periods, your benefits may be impacted if your income exceeds the SGA limit.
8. What happens after the trial work period ends?
After the trial work period ends, you enter the extended period of eligibility. During this period, you can continue to receive benefits for any month your earnings do not exceed the SGA limit. However, if your income exceeds the SGA limit, your benefits may be suspended.
9. Are there any deductions for work-related expenses?
Yes, SSDI recipients are eligible for certain deductions for work-related expenses, such as transportation costs and impairment-related work expenses. These deductions help reduce your overall income, making it easier to stay within the SGA limit.
10. Can I receive both SSDI and SSI benefits?
Yes, it is possible to receive both SSDI and SSI benefits if you meet the eligibility requirements for both programs. However, your income from either program may affect the amount you receive from the other.
11. Can I work while applying for SSDI benefits?
Yes, you can work while applying for SSDI benefits. However, it’s important to note that you must meet the eligibility criteria for disability, and your income must not exceed the SGA limit during the application process.
12. Can I earn income from self-employment while on SSDI?
Yes, you can earn income from self-employment while on SSDI. However, the SSA closely evaluates your work activity and income to ensure it does not exceed the SGA limit.
13. Can I receive unemployment benefits and SSDI at the same time?
It is possible to receive both unemployment benefits and SSDI at the same time, depending on your circumstances and the state you reside in. However, receiving unemployment benefits may impact your SSDI benefits, so it’s important to consult with the SSA or a disability attorney.
14. What if I am unsure about how my income will affect my SSDI benefits?
If you are unsure about how your income will affect your SSDI benefits, it is recommended to consult with the SSA or a disability attorney who can provide guidance based on your specific circumstances.
In conclusion, while on Social Security Disability in 2018, it is possible to earn income without jeopardizing your benefits. However, it is crucial to stay within the SGA limit, understand the trial work period and work incentives, and be aware of any deductions or rules that may apply. Consulting with the SSA or a disability attorney can help ensure you make informed decisions about your income while on disability.