How to Work Without Losing Your SSDI Benefits · Think Outside the Cell Comm.

How to Work Without Losing Your SSDI Benefits

If you’re thinking about working but you’re afraid it might cost you your SSDI benefits, you’re not alone—and you’re not stuck. You actually have several legal, safe ways to earn income without putting your monthly check at risk. The key is understanding the rules so you can move with confidence instead of fear.

First, you can work part-time as long as you keep your monthly earnings under the SSDI limit (called “SGA”). Stay under that amount and your benefits stay intact—period. You can also work as an independent contractor and choose how many hours you take on each month so you never go over the threshold.

You also have powerful programs on your side. With Ticket to Work, you’re allowed to test employment, earn more money for a while, and still keep your full benefits during the trial period. With the PASS Program, the income you earn can be set aside for career goals and won’t count against your benefits at all—this is one of the best-kept secrets in the system.

If you want to stay under the limit but still grow, you can structure your work as project-based instead of fixed weekly hours. You can also volunteer for things that help your career, as long as the volunteer work isn’t replacing a paid job.

The bottom line: You don’t have to choose between staying safe and moving forward. You can protect your benefits and still build your skills, your confidence, and your future. The system gives you more room than you think—you just need to use the options that work for you.

0 comments

Think Outside the Cell Comm.

skool.com/think-outside-the-cell-comm

A global community for and by justice-impacted people (and allies) to transform mindsets, build wealth, and reclaim our futures—together.

Leaderboard (30-day)