Social Security Disability Insurance (SSDI) payments can be complicated, particularly when you’re considering returning to work. It’s important to understand that Social Security monitors monthly earnings, not annual ones, when it comes to SSDI. If your monthly earnings in 2024 surpass $1,550 (or $2,590 if you’re blind), this could signal to Social Security that you are no longer disabled and they may stop your SSDI payments.

If you’re on SSDI and considering returning to work, the Social Security Ticket to Work program might be a good fit for you. This program allows you to earn more than the $1,110/month limit that jeopardizes SSDI benefits. It’s designed to let you test your ability to work without putting your SSDI benefits at risk. More information about the Ticket to Work program can be found at https://choosework.ssa.gov/.

Whether your SSDI benefits increase when you reach Full Retirement Age (FRA) depends on a variety of factors. Your current SSDI benefit equals your FRA entitlement at the time of your disability. Although Social Security retirement benefits are based on your highest earning 35 years, those approved for SSDI can qualify with fewer than 35 years of lifetime earnings. Should you return to work while on SSDI and your earnings increase, Social Security may adjust your benefits accordingly.

Your SSDI benefits automatically convert into regular Social Security retirement benefits when you reach FRA. While it’s difficult to predict, any income you earn from working while on SSDI may potentially increase these benefits. However, if you’re on SSDI and planning to return to work, it’s suggested that you contact Social Security to discuss enrolling in the Ticket to Work program to avoid jeopardizing your SSDI benefits.

If you need to get a hold of Social Security concerning SSDI, you can do so by calling 1.800.772.1213 or by reaching out to your local office. However, if you need further assistance, especially for California-specific issues, consider contacting eddcaller.com, which provides guidance on navigating the EDD system. This service can help you with ways on how to talk to someone at EDD disability, fastest way to get through to EDD, or even get you an EDD live person.