How do SSDI and work restrictions affect eligibility in California? SSDI benefits in California are available to individuals who are unable to work due to a disability. Work restrictions play a key role in determining eligibility, as the Social Security Administration (SSA) requires applicants to demonstrate that they cannot engage in substantial gainful activity (SGA). Understanding the SGA limits and how temporary work or part-time jobs might affect eligibility is crucial when applying for SSDI benefits in California.
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How do SSDI and work restrictions affect eligibility in California?
SSDI benefits are available to individuals who are unable to work due to a disability. Work restrictions play a crucial role in determining eligibility. Here's what you need to know:
- Work restrictions: To qualify for SSDI, applicants must demonstrate they cannot engage in substantial gainful activity (SGA) due to their disability.
- SGA limits: The Social Security Administration (SSA) sets a monthly income limit for SGA. In 2025, this is generally $1,470 per month for non-blind individuals and $2,460 per month for blind individuals.
- Temporary work: Temporary work or part-time jobs can impact eligibility if the income exceeds the SSA's SGA limits, even if the work is not permanent.
- Trial Work Period: SSDI recipients can attempt to work for up to 9 months without losing their benefits, as long as they don't exceed the SGA limits during this period.
- Medical evidence: Providing clear medical documentation showing that the disability prevents substantial work is essential to securing SSDI benefits.
Key Factors Affecting SSDI Eligibility in California Due to Work Restrictions
1. Substantial Gainful Activity (SGA)
The SSA assesses if your work is considered SGA by looking at your earnings and whether your disability affects your ability to perform the job.
2. Trial Work Period (TWP)
You may work for up to 9 months and still receive benefits, but your earnings during these months must not exceed the SGA threshold.
3. Work History and Credits
Your eligibility for SSDI is influenced by the number of work credits you’ve earned through employment. A person generally needs 40 credits, with 20 of those earned in the last 10 years, to qualify.
4. Impact of Earnings Above SGA Limits
If you earn more than the SGA limit, your SSDI eligibility may be affected, and your benefits could be reduced or stopped entirely.
How to Navigate SSDI Eligibility and Work Restrictions in California
- Ensure that your earnings stay within the SGA limits if you intend to work while receiving SSDI.
- Take advantage of the Trial Work Period to test your ability to return to work without immediately losing your benefits.
- Document all medical and work records to clearly demonstrate how your disability affects your ability to work.
- Consider speaking with an SSDI attorney or advocate to help you navigate complex work restrictions and avoid common mistakes in your application.
How Hogan Smith Can Help
At Hogan Smith, we understand the challenges that SSDI claims can present, especially when work restrictions are involved. Our team can:
- Evaluate your eligibility based on your disability and the impact of work restrictions on your ability to engage in substantial gainful activity.
- Gather the necessary medical documentation to clearly demonstrate how your condition limits your ability to work.
- Assist with the Trial Work Period process and help you understand how temporary or part-time work might affect your benefits.
- Represent you throughout the application or appeal process, ensuring all paperwork is correctly submitted and deadlines are met.
Contact Hogan Smith Today
If you're navigating SSDI benefits and work restrictions in California, we’re here to help you understand the impact on your eligibility. Contact Hogan Smith today for a free consultation, and let us assist you in maximizing your chances of approval and securing the benefits you deserve.
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