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how much can you earn while on social security disability in 2025

how much can you earn while on social security disability in 2025

2 min read 02-12-2024
how much can you earn while on social security disability in 2025

How Much Can You Earn While on Social Security Disability in 2025?

Understanding the Social Security Disability Insurance (SSDI) Work Incentives

Receiving Social Security Disability Insurance (SSDI) doesn't mean you can't work. The Social Security Administration (SSA) understands that many individuals want to return to work, even partially, while receiving benefits. To encourage this, they offer several work incentives designed to help you re-enter the workforce gradually without immediately losing your benefits. However, there are limits to how much you can earn while still receiving SSDI payments in 2025. The exact amounts will be determined by the SSA closer to the year. Therefore, the information below represents a general overview of the current system that is likely to continue.

The Ticket to Work Program

One of the most significant work incentives is the Ticket to Work program. This program connects individuals with employment support services, helping them find and maintain employment. Participation in Ticket to Work doesn't automatically terminate your benefits. Instead, it provides resources to help you succeed in your job search and maintain your employment.

Trial Work Period

The Trial Work Period (TWP) is a crucial part of the SSDI work incentive program. Currently, the TWP allows you to work for nine months within a 60-month period and still receive your SSDI benefits. This period may be subject to change in 2025, so it is crucial to check with the SSA for updates. If your earnings during the TWP are above the Substantial Gainful Activity (SGA) level, your benefits will continue for those nine months.

Substantial Gainful Activity (SGA)

The SGA amount is a critical threshold. This is the amount of earnings that the SSA considers to be substantial income from work. As of October 2023, the SGA amount is $1,530 per month for non-blind individuals and $2,520 for blind individuals. These amounts are adjusted annually for inflation, and the 2025 SGA level will be higher. Exceeding the SGA amount for a continuous period of time will typically result in the termination of your SSDI benefits.

Extended Period of Eligibility (EPE)

Even after your TWP ends, you may still have an Extended Period of Eligibility (EPE). This is a 36-month period following the end of your TWP. During this time, if your earnings fall below the SGA amount, your benefits can be reinstated. This provides a safety net for those who may experience temporary setbacks in their employment.

What to Expect in 2025

While the specific numbers for 2025 aren't available yet, it's safe to assume that the SGA limit will increase due to inflation. Check the SSA website regularly for updates.

How to Stay Informed:

  • Check the Social Security Administration website: This is the most reliable source for information on SSDI benefits and work incentives.
  • Contact your local Social Security Administration office: They can answer your specific questions and provide personalized guidance.
  • Consult with a benefits specialist: Professionals specializing in disability benefits can help navigate the complexities of the system.

Disclaimer: This information is for general knowledge and guidance only. It is not a substitute for professional legal or financial advice. Always consult with the Social Security Administration or a qualified professional for personalized advice related to your specific situation. The information provided here is based on current regulations and is subject to change.

Remember, the rules surrounding earning while on SSDI are complex. Proactive planning and a thorough understanding of the program's guidelines are crucial for making informed decisions about your work and your benefits.

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