How Much Money Can I Make While on Social Security Disability in 2018

Social Security disability insurance doesn't have a limit on unearned income, just there is a limit on how much you can brand from working.

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Social Security disability insurance (SSDI) is available to people who tin can no longer work due to a inability (concrete or mental). But only those who've paid taxes into the Social Security system for at least several years are eligible for SSDI (see our article on SSDI eligibility to run across how many work credits are required). Those who are canonical for benefits receive monthly SSDI payments that are determined by their earnings records over the last 35 years (the average amount is $1,358 in 2022).

SSDI Income Limits

The SSDI plan doesn't put a limit on the corporeality of assets or unearned income yous have, unlike the depression-income disability program, Supplemental Security Income (SSI).

But the Social Security Administration (SSA) does put a limit on the amount of money that you lot can earn through piece of work when yous receive Social Security inability benefits, considering if you can earn a substantial amount of income, you aren't considered disabled.

No Limits on Unearned Income and Assets

A person collecting SSDI can take any amount of avails and any amount of income from investments, interest, or a spouse'south income. These are all types of "unearned income." Y'all (and your spouse, if you're married) tin have an unlimited amount of unearned income. Unearned income includes:

• interest income
• dividends
• rent from property you don't actively manage
• income that your spouse earns
• pensions
• country disability payments
• unemployment benefits, and
• cash or gifts from friends and relatives.

Any type of gifts, fifty-fifty expensive ones, don't affect SSDI benefits at all. You don't accept to written report them to the SSA as income.

Limit on Substantial Gainful Activity (SGA)

A person with a disability applying for or receiving SSDI can't earn more than a certain amount of coin per month by working; this isn't considering of an income limit, but rather because the SSA wouldn't consider that person disabled.

If you tin practice what the SSA calls "substantial gainful activeness" (SGA), you aren't disabled. A person who earns more a certain monthly amount is considered to be "engaging in SGA," and thus not eligible for SSDI benefits. In 2022, the SGA amount is $1,350 for disabled applicants and $two,260 for blind applicants. (Federal regulations use the national average wage index to set the income limit for determining the SGA each year.)

The rules differ for business organisation owners, since their monthly income may not reflect the work effort they put into their business concern. For more data, see our commodity on SGA for small business owners.

Trial Work Menstruation

Some people receiving SSDI may experience plenty comeback in their condition that they want to endeavor to return to the workforce, but they're afraid that they'll be unable to proceed a job due to their disabilities. To encourage SSDI recipients with disabilities to attempt to return to work, the SSA provides for an exception to the SGA rules. This exception is called the "trial work menses."

During the trial work period (TWP), a person receiving SSDI can have unlimited earnings and still receive full benefits without risking getting their benefits terminated.

The trial work period provides nine months (that practice not need to be consecutive) out of a 60-month menses where SSDI recipients can try out working without having their disability benefits concluded. What counts as i of the nine trial work months? In 2022, any calendar month in which an SSDI recipient earns more than $970 is considered a trial work calendar month. (Notice that this amount is lower than the SGA corporeality.)

After an SSDI recipient has worked for ix months making more than $970, the SSA will start evaluating the person's piece of work to see if it is over the SGA limit. If information technology is, disability benefits will continue for three months (a grace menstruation) and then stop.

Merely when the SSA terminates benefits because an individual is working over the SGA limit, the SSA volition restart benefits anytime within the next 36 months in which the private fails to earn the monthly SGA amount for a month, or becomes unable to work again due to the same disability. For more information, come across our article on the trial work period and the 36-calendar month period following the TWP.

_{Updated December 10, 2021}

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Source: https://www.disabilitysecrets.com/resources/social-security-disability/ssdi/income-limits-ssdi-benefits