The amount of money you can make while receiving disability benefits varies based on the type of disability program you are enrolled in and your specific circumstances. In the United States, there are two main types of disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
1. Social Security Disability Insurance (SSDI):
– If you are receiving SSDI benefits, you can work and earn income, but there are limits to how much you can earn without affecting your benefits. In 2024, the monthly substantial gainful activity (SGA) limit is set at $1,470 for non-blind individuals and $2,460 for blind individuals. If you earn more than these amounts, you may be considered capable of working and could lose your benefits.
2. Supplemental Security Income (SSI):
– For SSI recipients, there is also an income limit, but the rules are somewhat different. As of 2024, the general income limit for SSI is $1,133 per month for individuals and $1,700 for couples. However, not all income is counted against the SSI limit; some exclusions apply, such as the first $20 of most income received and the first $65 of earned income per month.
It’s important to note that both SSDI and SSI programs have trial work periods that allow beneficiaries to test their ability to work without losing their benefits immediately. For SSDI, you can work for up to nine months within a 60-month period without losing your benefits, as long as your earnings do not exceed the SGA limit during those months.
Additionally, state-specific regulations and programs may also provide additional support or affect the total income you can earn while on disability. It’s advisable to consult with the Social Security Administration or a disability advocate to understand your particular situation and any potential implications of working while receiving benefits.
