Living with a disability can present significant challenges, and financial security is often a major concern. Fortunately, Social Security Disability Insurance (SSDI) in Michigan provides crucial support for those whose disabilities prevent them from working full-time. But what if your condition improves, or you find part-time work you can manage? Can you still receive SSDI benefits? The answer is yes, with some key guidelines to consider.
SSDI is a federal program, but individual states may have additional rules regarding working while receiving benefits. In Michigan, the Social Security Administration (SSA) offers programs that encourage gradual re-entry into the workforce without jeopardizing your SSDI benefits. Let’s explore these options and how they can help you navigate work while maintaining your disability benefits.
Trial work period: Testing the waters safely
The Trial Work Period (TWP) is a valuable tool for individuals receiving SSDI who want to try working again. This nine-month window allows you to earn any amount of money without losing your benefits. It’s a fantastic opportunity to test your ability to work and see if you can manage part-time employment while managing your disability.
There are a few things to remember about the TWP:
- The nine months don’t have to be consecutive. You can spread them out over a five-year period.
- Any month where your earnings exceed the Substantial Gainful Activity (SGA) limit (adjusted annually, currently $1,550 in 2024 for most people) counts as a Trial Work Month.
- After using all nine Trial Work Months, your benefits may temporarily stop if your earnings continue to exceed the SGA limit.
Even after your TWP ends, support is still available.
Extended period of eligibility (EPE): Continued benefits with limits
You enter a three-year Extended Period of Eligibility (EPE) following the TWP. During the EPE, you can continue receiving your SSDI benefits for any month where your monthly earnings are below the SGA limit. This extended period provides a safety net while you gradually increase your work hours or adjust to a new work routine.
It’s important to note that exceeding the SGA limit for a month during the EPE doesn’t necessarily mean you lose your benefits permanently. However, your benefits will stop for that month.
Additional resources and support programs
The Social Security Administration offers resources and programs beyond TWP and EPE to help individuals with disabilities return to work. These include:
- Ticket to work: This program connects you with vocational rehabilitation services to help you find suitable employment.
- Benefits counseling: The SSA provides guidance on how work affects your benefits and enables you to plan your return to work.
By understanding these programs and working with the Social Security Administration, you can achieve your goals of working while maintaining the financial security provided by SSDI.
Every situation is unique. Consulting with a disability advocate or attorney familiar with Michigan’s laws can provide valuable guidance for your circumstances.