Yes, but the amount you earn matters. The Social Security Administration allows disability recipients to work, but it uses specific income thresholds to determine whether your work activity affects your benefits.
If you receive Social Security Disability benefits in New York, understanding those thresholds before you start working can protect you from losing benefits you depend on.
The trial work period gives you time to test the waters
When you first return to work, the SSA gives you a trial work period of nine months to test your ability to work without losing your benefits. The nine months can be spread out over time and do not all have to occur back to back, as long as they fall within a five-year window.
Any month where you earn more than $1,210 counts as one of your nine trial work months. During this period, you receive your full disability check regardless of how much you earn.
The SSA evaluates your earnings after the trial work period
Once you use all nine trial work months, the SSA begins evaluating your earnings against what it calls Substantial Gainful Activity. That threshold is $1,690 per month for non-blind individuals and $2,830 per month for those who are blind.
If your earnings consistently stay below that limit, your benefits continue. If you exceed it, your benefits may stop. For the following 36 months, the SSA reviews your earnings each month and can resume your payments in any month your income drops back below the limit.
Reporting your work activity is not optional
The SSA requires you to report any work activity while receiving your disability benefits. In New York, you can do this by calling your local Social Security office or using your online My Social Security account. Failing to report can result in overpayments you will have to pay back, and in some cases, penalties. Report any new job, change in hours or change in pay as soon as it happens.
Know where you stand before you start working
The rules around working while on disability are more complex than they appear, and a misstep can put your benefits at risk. Speaking with a Social Security disability attorney before you return to work can help you understand exactly where you stand and how to protect your benefits while you explore your options.
