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SSDI: Can you work and collect Social Security Disability?

Sometimes there are situations where Americans can collect SSDI and still work, but there are strict rules surrounding this.

social security card with cash and check representing SSDI and SSI benefits

If you end up earning a substantial wage, SSI and SSDI payments could end.

Almost 70 million Americans received some sort of disability in 2019.

The wage limit in most cases for losing your full benefits is $1,350 per month.


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SSDI and SSI explained

SSI is assistance to those who are older, blind, and disabled if they have limited access to income or resources.

This benefit comes out of general taxes.

SSDI is for blind or disabled people who worked and have paid into Social Security.


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Working and collecting SSDI and SSI

You may and collect benefits, but any income you make is subtracted from your benefits.

You must report any earned income to the Social Security Administration.

Failure to report may result in you being overpaid then owing the SSA that money.

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SSDI & SSI: Will I lose my benefits from working?

What are the limits for working and collecting benefits?

The first $65 you earn is not counted by the SSA.

The rest of your income is then taken into account, divided by two, and subtracted from your benefits.

This means if you earned $265, the first $65 would not count and it would break the rest in half, leaving $100.

That $100 would be taken out of your benefits.

It takes around two months for the SSA to change your wages in their system.

By earning a substantial wage, you’ll lose benefits because you are showing the SSA you are not too disabled to work.

Report your earnings by keeping your paystubs and sending them to the SSA.

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