Navigating the ins and outs of Social Security Disability Insurance (SSDI) guidelines can be a real head-scratcher. One question that frequently pops up is whether working remotely can impact your eligibility for SSDI benefits.
So, can you work remotely and still collect SSDI? It’s a complex issue that requires careful consideration.
In general, the answer is “yes.” However, there are certain guidelines that must be followed to remain eligible for SSDI benefits while working remotely.
SSDI beneficiaries are allowed to work remotely while receiving benefits as long as they earn below the income limit, which is known as Substantial Gainful Activity (SGA). The SGA amounts to $1,550 in 2024. SSDI beneficiaries can also participate in the Ticket to Work program, which can help them become more self-sufficient.
Discover how individuals with disabilities can work remotely without putting their SSDI benefits at risk by reading the content below.
Can I Do Remote Work While Collecting SSDI?
If you have a disability but still want to earn some extra income by working remotely, it is possible. However, there are some important requirements and regulations that you need to be aware of to continue receiving the necessary support and coverage while working.
Keep in mind that maintaining your disability status is crucial, and you should take steps to ensure that you comply with the rules to avoid losing your benefits.
Here are a few things you should keep in mind if you’re considering working remotely while on disability:
Maximum Income Level
Individuals receiving disability benefits can earn a specific amount of income before their SSDI benefits are reduced or discontinued. As an example, for the year 2024, beneficiaries can earn up to $1,550 in SGA before experiencing any reduction in their SSDI benefits.
It’s important to stay informed about the income limits in order to manage your finances and ensure continued support from SSDI.
Work-Incentive Programs
The Ticket to Work program was initiated by the federal government to assist individuals with disabilities in securing employment and achieving financial independence while retaining their Social Security payments.
Additionally, the program offers similar initiatives, such as Trial Work Period, for interested participants.
Different Options
There are three ways to work remotely from home without losing your benefits.
- The first option is to ensure that your earnings remain below the income threshold specified by the SSDI program.
- The second option is to understand the trial work period and take advantage of it.
- Finally, you can also enroll in the Ticket to Work program.
It is crucial to consider all three options and determine the most appropriate one for your situation.
Reinstatement of Benefits
If your Social Security benefits are terminated because you exceeded the income limit, you can reinstate your benefits within five years of termination, according to the Social Security Administration.
Even if you succeed at your remote job, having a solid backup plan to quickly restart Social Security payments is crucial since many people may need to stop working again if their disability worsens.
Remote Work and Work Credit Requirements
The SSDI program is primarily designed to provide a financial safety net for people with disabilities. This program is funded through a system that works like an insurance policy, where you must pay for coverage.
Eligibility for benefits from Social Security is based on your contributions to the fund. The “premiums” for SSDI are actually taxes, and the amount you pay is determined by your total net income each year.
By paying your Social Security taxes, you can build a work history record with the Social Security Administration and earn work credits. Usually, an applicant must have 20–40 credits available in their work record to qualify for SSDI benefits.
However, the exact number of work credits required to qualify for disability benefits varies depending on the applicant’s age when they become disabled. Typically, half of the credits must be from jobs held within the last ten years before the applicant’s impairment began.
If you are working remotely, you can still pay these taxes by following the guidelines provided by the Social Security Administration.
Working Remotely for a Third Party
If you work for a third party, even from your own home, your employer is likely to deduct Social Security taxes from your paycheck as part of FICA taxes. It’s important to note that FICA taxes also cover Medicare. If you qualify for SSDI benefits and remain on disability for two years, you will become eligible for Medicare medical coverage.
Working Remotely as a Self-Employed Individual
Self-employed individuals are responsible for contributing to Social Security and Medicare on their own, as per the Self-Employment Contributions Act (SECA).
These taxes are paid four times during the tax year or when the individual files their annual income tax return and are considered as their payments to Medicare and Social Security. Meeting the minimum standards for tax payments may make you eligible for SSDI benefits and Medicare coverage.
How Employment Networks Can Help You Find Remote Work
The Social Security Ticket to Work program is designed to help individuals who receive SSDI or SSI and want to enter or return to the workforce after a break. The program collaborates with regional Employment Networks (ENs) to make this possible.
The Social Security Administration selects ENs to provide disabled Ticket to Work program participants with career guidance, job training and retention, vocational rehab, and additional support services. It is the responsibility of the ENs to develop a work plan that will help program participants establish their employment objectives and obtain the assistance necessary to achieve them.
The ENs continue to provide participants with ongoing assistance to ensure that they either remain working at their current job or find a job that provides higher compensation. This way, SSDI beneficiaries receive the education and training necessary to succeed in their chosen field of work, allowing them to earn a living without relying on federal benefits.
Ticket to Work ENs also provide job training for various opportunities, including those that involve working from home or remotely. This is an excellent option for those with mobility issues, such as those restricted to a wheelchair.
Many positions are available for such individuals, including scheduling agents, customer service associates, and call center specialists (more on this below). The ENs frequently collaborate with major corporations seeking individuals who can work independently or with limited supervision and who have excellent interpersonal skills.
However, it’s important to note that the Ticket to Work program requires individuals to achieve work or career objectives within defined time frames. Furthermore, participants are subject to regular evaluations by Social Security to determine whether or not they are making progress toward their goals.
Recommended Remote Jobs for Ticket-to-Work Participants
For individuals with disabilities who prefer to work from home, there is a vast array of career opportunities available. From customer service representatives to freelance writers and graphic designers, there are numerous work-from-home options that are both accessible and well-suited for disabled individuals.
Below is a list of some of the great work-from-home opportunities that disabled individuals can explore.
Freelance Writing
If you are someone who is either talented or enjoys writing, then freelance writing may be the perfect job for you. The great thing about this type of work is that it is ideal for individuals with mobility limitations, since all you need is a computer and a desk to get started.
While not everyone has the skills required to be a writer, there are many opportunities for those who do, ranging from instructional manuals and romantic novels to nonfiction and historical fiction.
Data Entry
Data entry is a viable option for individuals seeking a work-from-home job that is uncomplicated and easy to begin with, as it is almost always in demand.
Some types of data entry, however, are quite specialized and may necessitate certification. As a result, if you possess a specific area of expertise or have the ability to complete more intricate data entry tasks, it is recommended that you promote yourself as a specialist.
There are numerous data entry opportunities available online or remotely, and they pay a reasonable wage.
Customer Support
Customer service can be a great career choice for people who are naturally extroverted and enjoy interacting with others. And, with the increasing demand for exceptional customer service, individuals with excellent communication skills and problem-solving abilities will find no shortage of job opportunities in this field.
A customer care representative should possess a friendly demeanor, patience, and the ability to troubleshoot problems in order to assist customers effectively. Usually, the organization they work for will provide training on these skills to ensure their customer service agents provide the best support possible.
Translation
If you are proficient in reading and writing in two or more languages, you have the potential to become a certified translator who can work remotely.
Translation can be a rewarding career both personally and professionally, and it can benefit those who require translation services. If you have expertise or specialization in addition to translation skills, you can potentially do specialized work.
For example, if you have a medical or legal background, you may be able to get translation work in those fields.
Proofreading
If you possess a sharp eye for detail and have a comprehensive understanding of grammar rules, you may be interested in exploring the various job opportunities available as a remote editor or proofreader.
With the ever-increasing amount of textual content being published on the internet each day, online companies are constantly in need of reliable and knowledgeable editors and proofreaders to ensure the accuracy and quality of their website content.
Your proficiency in grammar and attention to detail can be a valuable asset in the field of online content creation and management.
Online Retail
For those who are artists, one way to get their work noticed is by promoting it on a digital marketplace like Amazon or Etsy.
Another option for making sales online is to offer vintage or rare items such as dolls, magazines, books, or clothing that is still in good condition.
These methods can help you reach a wider audience and increase your chances of selling your products.
Consulting
If you possess expertise in marketing, business, finance, project management, or a related field, offering your services as an online consultant can prove to be a lucrative venture.
As an independent consultant, you will be appointed by businesses and individuals to provide them with expert advice and informed opinions on various subjects or actions.
Your role as a consultant will be to guide and advise others in your area of expertise, equipping them with the knowledge and resources they need to achieve success.
Programming
The field of computer programming and web development offers a plethora of remote work opportunities that are highly lucrative for individuals with the necessary skills.
With the rising demand for professional computer programmers, those who can code efficiently and produce top-notch work will always have a wide range of career options to choose from.
Furthermore, it’s worth highlighting that no educational prerequisites or degrees are required to pursue a career in computer programming.
Online Teaching
Online tutoring can be a fulfilling career path that doesn’t necessarily require advanced education or expertise. If you possess a strong understanding of a particular subject, you may want to consider becoming an online instructor to help students enhance their knowledge.
However, the specific requirements may vary depending on the platform. Teachers and professors may have access to a wider range of online tutoring opportunities than others.
When it comes to teaching English online, it is important to note that most organizations require their instructors to possess a TEFL certification or an equivalent qualification. Some businesses may also demand a bachelor’s degree or proof of teaching experience.
However, there are some online platforms that allow individuals to teach without meeting these requirements. Teaching English online can be a fascinating and engaging experience that not only provides an opportunity to interact with new people but also enhances one’s own personal education.
Conclusion
Individuals with disabilities often encounter difficulties in finding and keeping employment. As a result, many of them prefer to work remotely. However, there is good news for those who receive SSDI benefits.
The program permits beneficiaries to continue working and supplement their income from disability benefits. Programs such as Ticket to Work encourage beneficiaries to return to work and make the transition smoother.
