A common misconception about Social Security disability benefits is that recipients are not allowed to work at all. In fact, some disabled individuals are able to do some work. This varies from person to person and is entirely based on personal abilities.
The Social Security Administration (SSA) has set guidelines that must be followed. If you want to apply for benefits or continue receiving them, it’s important to adhere to these rules. This blog provides some general information to help explain the rules for the two main benefit programs.
Social Security Disability Insurance (SSDI)
SSDI is a government program that provides benefits to individuals who are unable to work due to a disability. They must have previously worked and paid Social Security taxes. There is no specific maximum income limit to qualify for SSDI.
However, you must meet the program’s definition of disability. This means you are unable to work gainfully. The 2023 Substantial Gainful Activity (SGA) amount is $1,390 per month for people who are not blind.
If you are blind, the amount is $2,380. As long as your income is below those amounts, you may qualify for SSDI.
Supplemental Security Income (SSI)
SSI is a needs-based program that provides financial assistance to disabled individuals with limited income and resources. In general, both earned income (wages, self-employment) and unearned income (pension, rental income) are considered.
However, not all income is counted toward the SSI limit. Some income exclusions and deductions apply. As of 2023, the federal maximum monthly SSI payment is $794 for an individual and $1,191 for a couple. If your income is over the limit, you may not be eligible for SSI.
It’s important to note that the income limits mentioned are general guidelines. Factors like the severity of your disability and your ability to perform SGA are also considered during the disability evaluation process.
To better understand the specific income limits and eligibility requirements for disability benefits, it is recommended to consult with a disability lawyer. They can provide you with accurate and up-to-date information based on your individual circumstances.
Have Questions?
To learn more about working while receiving Social Security disability benefits in the Knoxville area, contact the Miller Disability Law office. We will be happy to provide you with a free consultation to answer your questions.
We can also review your circumstances and give you an honest case evaluation. We can help you understand how to move forward and what to expect down the line. You can reach us online at your convenience, or call us today at (865) 637-0515.
