How Many Hours Can You Work While Receiving Social Security Disability Benefits-
How Many Hours Can You Work on Social Security Disability?
The Social Security Administration (SSA) offers disability benefits to individuals who are unable to work due to a medical condition that is expected to last at least one year or result in death. However, many recipients may wonder how many hours they can work while still receiving these benefits. Understanding the guidelines and limitations is crucial for those who want to maintain their benefits while also seeking employment opportunities.
Understanding Work Hours Limitations
The SSA has specific rules regarding work hours for individuals receiving Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). According to these rules, you can work a certain number of hours each month without affecting your benefits. The number of hours you can work depends on whether you are engaged in substantial gainful activity (SGA) or not.
Substantial Gainful Activity (SGA)
If you are engaged in SGA, which is defined as earning more than a certain amount each month, you may lose your eligibility for SSDI or SSI benefits. For 2021, the monthly SGA limit for SSDI is $1,310, and for SSI, it is $1,260. If you earn more than these amounts, you may be considered to be working and may lose your benefits.
Work Hours Limitations for Non-SGA
If you are not engaged in SGA, you can work a certain number of hours each month without affecting your benefits. For SSDI recipients, you can work up to 80 hours per month, as long as your earnings do not exceed the SGA limit. For SSI recipients, the limit is 45 hours per month, with the same earnings restriction.
Reporting Work Hours to the SSA
It is essential to report any work hours and earnings to the SSA, as failing to do so may result in the suspension or termination of your benefits. You can report your work hours and earnings by completing Form SSA-821, “Work Activity Report,” and submitting it to the SSA.
Transitioning to Work
If you are considering returning to work while receiving SSDI or SSI benefits, it is crucial to plan carefully. The SSA offers a trial work period, which allows you to work for nine months within a 60-month period without affecting your benefits. During this time, you can earn as much as you want without losing your benefits.
Seeking Support and Guidance
Navigating the rules and regulations surrounding Social Security Disability benefits and work hours can be challenging. It is advisable to seek support and guidance from a qualified attorney or benefits counselor who can help you understand your rights and options. By doing so, you can make informed decisions about work and ensure that you continue to receive the benefits you deserve.
In conclusion, the number of hours you can work on Social Security Disability depends on whether you are engaged in SGA or not. By understanding the guidelines and limitations, you can maintain your benefits while also exploring employment opportunities. Always consult with a professional to ensure that you are making the best decisions for your situation.
