Does Remote Work Affect Social Security Disability Benefits?

Since the onset of the pandemic, remote work has become increasingly common. More and more companies are opting to either go fully remote or offer their employees a hybrid-remote schedule. Many individuals, including those with disabilities, are finding new opportunities to work from the comfort of their homes. While this shift offers various advantages, it also raises questions about how remote work might impact Social Security Disability (SSD) benefits.

If you have paid into the Social Security system through taxes and have a work history that qualifies you as a beneficiary according to the Social Security Administration’s (SSA) rules, you may be eligible to receive benefits through the SSA’s disability programs if you are working remotely. Disability benefits can provide a consistent source of income and may include payments through SSDI, SSI, or both.

Social Security Benefits for Individuals With Disabilities

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the primary programs that provide financial assistance to individuals with disabilities. These programs are designed to support those who are unable to work due to a medical condition that is expected to last at least one year or result in death.

SSDI is available to individuals who have accrued enough work credits through prior employment. The SSI program does not require work credits and provides support to disabled adults and children who have limited income.

Key Considerations for Remote Work and Social Security Disability

• SSDI beneficiaries are allowed a Trial Work Period (TWP) during which they can test their ability to work without losing their benefits. The TWP lasts for nine months (not necessarily consecutive) within a 60-month rolling period. During these months, any amount of earnings will not impact SSDI benefits. For 2024, any month in which earnings exceed $1,110 counts as a TWP month.
• The SSA uses the concept of Substantial Gainful Activity (SGA) to determine eligibility for SSDI benefits. In 2024, the SGA limit is $1,550 per month for non-blind individuals and $2,590 for blind individuals. If an individual earns more than these amounts, they are considered to be engaging in SGA, which can disqualify them from receiving SSDI benefits. Remote work may impact SSD benefits if earnings exceed the SGA threshold. Beneficiaries should carefully track income to avoid surpassing the allowed amount.
• The SSA conducts Continuing Disability Reviews (CDRs) to determine if a beneficiary still qualifies as disabled under SSA rules. Engaging in remote work might trigger a CDR, as it could indicate an improvement in the beneficiary’s condition. However, simply working remotely does not automatically result in losing benefits if the individual still meets the medical criteria for disability.
• Any income, including earnings from remote work, can impact the amount of monthly SSI benefits. The SSA reduces SSI benefits by a portion of the earned income, but not dollar-for-dollar—it is reduced by $1 for every $2 you earn over $65.

Tips for Beneficiaries Working Remotely

1. Keep Detailed Records: Maintain thorough records of all earnings and work activities. This will be helpful in case of a CDR or any inquiries from the SSA.
2. Communicate with the SSA: Inform the SSA of any changes in work status or earnings. Transparency is crucial to avoid misunderstandings and potential penalties.
3. Understand the Rules: Familiarize yourself with the rules governing SGA, TWP, and income limits for SSI. This knowledge will help in making informed decisions about remote work opportunities.
4. Seek Professional Advice: An attorney who is knowledgeable about Social Security benefits can help you navigate the complexities of remote working while receiving SSD benefits.

Remote work presents a valuable opportunity for individuals with disabilities to participate in the workforce. Before making any decisions, it is always best to consult with an experienced attorney who specializes in Social Security Disability, as they can provide guidance and make recommendations based on your specific case. At Casper & Casper, our seasoned attorneys have helped thousands of disabled individuals receive the benefits they deserve. Give us a call today for a free consultation!