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SSDI Benefits Have Income Limits

When someone has an established physical or mental disability, they are eligible to receive Social Security Disability Insurance (SSDI). These benefits are only available to those that have been made eligible by paying into the Social Security system for several years. Depending on their earnings records, benefits can average $1,165.

What should I know about working with SSDI?

When someone receives SSDI, there is not a limit on the number of assets and other unearned income that the applicant may have. However, there are limits on the amount of money that can be earned through employment, since the purpose of SSDI is to bolster the incomes of those that are unable to work.

Known as Substantial Gainful Activity (SGA), this is what determines eligibility for SSDI to begin with. When an applicant is able to fully participate in SGA, they are not disabled to the point where they need extra financial guidance. If an applicant earns more than $1,090 as a disabled applicant or $1,820 as a blind applicant, they will be unable to collect SSDI.

SSDI was not designed for people to remain using its services forever. Those whose condition have improved and want to reenter the workplace are able to participate in a trial work period. This trial period allows an applicant to receive unlimited earnings while still collecting their SSDI benefits. In order to qualify for the trial period, the applicant must make more than $780 for 9 months out of a rolling 60-month period. When this occurs, Social Security examines the work to determine whether it will cease payments after three months or keep them for a longer period of time.

If the applicant is unable to maintain a living wage within 36 months, SSDI can resume as long as the reason for the unemployment is related to the applicant's disability. During this entire time, the investments, interests, or income of a spouse is not taken into consideration. Therefore, someone with significant investments need not worry about whether or not they will be able to receive benefits.

Wondering if you are eligible for SSDI? Waste no time in calling our firm today!