Can You Receive SSDI Benefits While Working in a Different State?

Is it possible to receive Social Security Disability Insurance (SSDI) benefits while working in a different state? This is a common question among individuals who have been granted SSDI and are considering returning to work. The answer to this query depends on several factors, particularly the guidelines set by the Social Security Administration (SSA).

Understanding SSDI Eligibility

SSDI is a federal program designed to provide financial assistance to individuals who are unable to work due to a disability. The basic eligibility requirements for SSDI include:

A qualifying disability that prevents you from performing substantial gainful activity (SGA) A work history that qualifies you for SSDI benefits Your disability must be expected to last at least 12 months, or result in death

Working and SSDI Benefits

Once you are eligible for SSDI, it is possible to continue receiving benefits while working. However, the amount of income you can earn while on SSDI is closely monitored by the SSA. This is because the SSA considers your ability to work when determining whether you remain eligible for ongoing benefits.

Earnings and SSDI Benefits

If you are able to work at a full-time job or are earning a significant amount as defined by the SSA, you may not qualify for SSDI benefits. The SSA has specific thresholds for what it considers a substantial gainful activity (SGA). For the year 2023, the SGA amount is $1,350 per month for individuals who are not considered blind. This threshold is adjusted annually.

Working in a Different State

Location does not affect your eligibility for SSDI benefits as long as you are still meeting the eligibility criteria. Whether you are working in your home state or another state in the US or even another country, the SSA will monitor your work and income. It is important to report any earned income to the SSA, as they do not differentiate between earned and unearned income.

Continuing Disability Review (CDR)

If you earn more than the SGA amount, you may trigger a Continuing Disability Review (CDR). A CDR is an assessment conducted by the SSA to determine whether your health has improved to the point where you can return to work and no longer qualify for SSDI benefits.

Reporting Your Income and Work

It is crucial to report your earnings to the SSA annually or as soon as you become aware of them. Failure to do so can result in overpayment penalties and can jeopardize your eligibility. The SSA advises that you inform them immediately if your income exceeds the SGA threshold or if you begin earning more than the allowed amount.

Steps to Take

To ensure that you meet the requirements for SSDI benefits, consider the following steps:

Keep detailed records of your work and earnings. Report any significant income changes to the SSA. Consult with a healthcare professional to confirm the persistence of your disability.

Conclusion

While it is possible to receive SSDI benefits while working in a different state, the key is to ensure that you are not exceeding the SGA amount and that you are in compliance with the SSA's reporting requirements. By understanding and following these guidelines, you can continue to benefit from SSDI while successfully managing your work activities.

Note: The information provided is general and subject to change. Always consult with your SSA representative for the most up-to-date information.