July marks the beginning of important changes for thousands of Americans who receive federal assistance. The Social Security Administration (SSA) has updated the income limits for the SSDI program. This adjustment directly affects those who combine disability benefits with some form of employment.
For years, many beneficiaries have believed that working and receiving SSDI were incompatible. However, the system does allow it, but always under certain conditions. Now, with the new threshold in effect, it's more important than ever to know the details and act responsibly.
The new limit that puts SSDI payments at risk
Since July 1, a new monthly income threshold has been in effect; the limit has been set at $1,620 per month for those who aren't legally blind. This means you can work and earn money, but without exceeding that amount. If your income goes over that figure, SSA may suspend your payments. This threshold is known as SGA, which stands for Substantial Gainful Activity. If you consistently exceed this income, it's interpreted that you can already keep yourself without assistance.
Are there exceptions to the limit?
Yes, there are some special cases. If you're legally blind, you can earn up to $2,590 per month without losing your SSDI. In addition, there's a mechanism called the trial work period. It lasts 9 months and allows you to earn above the limit without losing benefits. This period serves to gradually return to work, but it's mandatory to report all changes in employment and income to SSA.
What happens if you don't report your income?
SSA may initiate a thorough review. If they detect irregularities, they could suspend your benefit or ask you to return what you've received. That's why it's advisable to keep a monthly record; save pay stubs, payrolls, and all documentation related to your job. A single month above the limit can trigger an automatic review, so it's better to be safe than sorry.
How to report your income correctly
You can do it in person, by phone, or through SSA's website. You can also request a personalized evaluation of your case. That way, you'll know exactly how much you can earn according to your medical situation and you'll avoid problems or misunderstandings that could affect your check. Many believe that if they work, they automatically lose SSDI, but that's not true: you can have a job if your income is below the threshold.
SSDI is vital for thousands of people across the country. That's why, with the new limit in place, it's advisable to act responsibly. This month brings payments, but also reviews. Stay informed, follow the rules, and don't put your financial stability at risk. July has arrived and with it, a clear warning: SSDI is protected only if you also do your part.