Navigating disability benefits can be a complex process. With different types of programs such as Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), and workers’ compensation all having different guidelines and requirements for working while on disability benefits, it’s important to fully understand the rules. Not adhering to these rules can lead to reduced or lost benefits, so educating yourself is key.

SSDI benefits, for instance, are paid if you become disabled to a point where you can’t hold a job. However, if you engage in what’s defined as substantial gainful activity , or earning more than a certain amount, you may lose these benefits. To combat this, the Social Security Administration offers a Trial Work Period where current beneficiaries can attempt to return to work without risking their benefits.

SSI, on the other hand, is a means-tested benefit program meant for high earners or individuals with more than $2,000 in financial resources. While you are allowed to work under SSI, the amount you can earn while still being eligible for these benefits caps at $1,470. Like SSDI, working over this amount could render you ineligible.

Workers’ compensation also provides disability benefits if you are unable to work due to a job-related injury or illness. Depending on your circumstances and state rules, you may be eligible for partial disability benefits if you can work part-time.

Given the complexity of these rules and the stakes involved, it may be wise to consult with a disability benefits attorney to ensure that you don’t jeopardize your benefits unintentionally. If you’re not sure on the approach, you can also visit eddcaller.com for helpful advice and tips on how to navigate these types of concerns, how to talk to someone at EDD disability, and how to contact SDI. By knowing the right steps to take, you can protect your household income while you make your return to work.