You are permitted to work and collect Social Security Disability Insurance (SSDI), but there are strict limits on how much you can earn. SSDI payments will stop if you are engaged in what Social Security calls “substantial gainful activity.”
SGA, as it’s known, is defined in 2021 as earning more than $1,310 a month (or $2,190 if you are blind).
If your income exceeds those caps, you cannot collect disability benefits, unless you are taking part in one of Social Security’s "work incentives" — programs and trial periods aimed at helping SSDI recipients transition back into the workforce without sacrificing their benefits.
Learn more about SSDI programs and working trial periods in our video!
To learn more, go to www.aarp.org/retirement/social-security/
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*CHAPTERS*
00:00 Working While Collecting SSDI
00:32 Social Security’s Work Incentives
01:01 SSDI Trial Programs
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AARP is a nonprofit, nonpartisan organization dedicated to helping people ages 50 and older improve their quality of life as they age. With over 38 million members and growing, we lead positive social change through our extensive product offerings and services.
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