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Libby Hassan

Can SSDI recipients returning to work increase future SS retirement benefits at 62 or FRA?

I've been receiving SSDI benefits ($2560/month) for several years now, but money is still pretty tight. I'm considering testing the waters with full-time work again at age 58, despite struggling with severe fatigue from my condition. I'm nervous about how this might affect my benefits both now and in the future. If I do manage to return to work successfully, would those new earnings potentially increase my Social Security retirement benefits when I reach either 62 or my full retirement age? I already have enough work credits to qualify for retirement benefits someday. Also, what happens if I try working but have to stop periodically due to my health? Will those gaps somehow reduce my future benefits? Will I be penalized? I'd appreciate any advice from those who've navigated this transition. Some days I feel almost normal, but the fatigue can be crushing and unpredictable. Still, I want to try if it could help my financial situation long-term.

This is actually a great question. Yes, returning to work while on SSDI can potentially increase your future retirement benefits. Here's how it works: 1. SSA recalculates your benefit amount annually if you have new earnings 2. Your SSDI benefit automatically converts to retirement benefits at your Full Retirement Age (66+) 3. New substantial earnings could replace earlier lower-earning years in your top 35 years of earnings Regarding working with gaps - SSA has work incentives like the Trial Work Period (TWP) where you can work for 9 months (not necessarily consecutive) without losing benefits. After that, you enter Extended Period of Eligibility for 36 months where benefits are reinstated if earnings drop below Substantial Gainful Activity ($1,550/month in 2025). Consider starting with part-time work to test your stamina before going full-time.

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Thank you! I didn't know about the Trial Work Period - that makes me feel safer about trying. But I'm confused about one thing - if I work for 2 years and then have to go back on SSDI, will those 2 working years replace 2 of my lower-earning years for my eventual retirement calculation?

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Be SUPER CAREFUL with this!!! I tried going back to work and it was a NIGHTMARE dealing with Social Security after. They kept sending me overpayment notices even though I reported everything. Then they suddenly cut off my benefits completely saying I was "working above SGA" even when I wasn't! It took 7 months to get my benefits back and I almost lost my house!!! The system is BROKEN and they will use any excuse to kick you off. Just warning you what you're getting into.

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Oh no, that's exactly what I'm afraid of! Did you report your work activity through the online portal or did you call/visit an office? I'm wondering if there's a better way to keep records of everything.

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i went back to work after 4 yrs on disabilty. you definietly get the 9 month trial period where u can make whatever and still get ssdi. then after that u can only make like $1550 a month. if your trying to test it out maybe do part time first? the fatigue is real, i had to drop back to 24 hrs a week cuz full time was too much with my condition

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That's really helpful to hear from someone who's gone through it. Part-time is probably smarter to start with. Were you able to keep your Medicare during this process?

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To answer your specific question about increasing your future retirement benefit - yes, any new earnings can potentially increase your benefit calculation. Social Security retirement is based on your highest 35 years of indexed earnings, so if these new work years have higher earnings than some of your previous years (after indexing for inflation), they could replace lower years and increase your Primary Insurance Amount (PIA). Regarding gaps in work - they won't "dock" you. Your future retirement is simply calculated based on those highest 35 years. If you don't have 35 years of earnings, they use zeros for the missing years. So additional work, even with gaps, can only help your eventual retirement calculation. I'd recommend requesting your Social Security Statement through my Social Security account online to see your current estimated retirement benefits. That gives you a baseline to compare against.

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That's really helpful, thank you! I have about 30 years of work history already, but some early years were pretty low earnings. So it sounds like even a couple years of good earnings now could replace those low years and bump up my retirement amount. I'll definitely check my statement online.

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I went through exactly this situation at age 56! The fatigue from my condition was also my biggest hurdle (MS in my case). Here's my practical advice: 1. Start with part-time work through Ticket to Work program if possible - they have employment supports 2. Document EVERYTHING - keep copies of all your earnings reports to SSA (I learned this the hard way) 3. Get a benefits planning query (BPQY) from SSA before starting - it shows exactly where you stand 4. Find an Employment Network that specializes in SSDI return-to-work 5. Yes, new earnings can increase future retirement benefits if they're higher than previous years in your top 35 Also, know that you keep Medicare for at least 8.5 years after returning to work even if your SSDI cash payments stop. That was huge for me.

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what's this ticket to work thing? never heard of it

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@profile8 - Ticket to Work is a free SSA program that helps people on SSDI or SSI return to work while providing protections for their benefits. You work with an Employment Network or state Vocational Rehabilitation agency who helps with job placement, training, counseling, etc. The big advantage is additional protections against medical reviews while participating. You can learn more at choosework.ssa.gov

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thanks, had no idea this existed! gonna check it out

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Just wanted to add something important nobody mentioned - when you're trying to reach someone at Social Security to discuss your return to work plans, use Claimyr.com to get through to an agent without the endless hold times. Regular calls to SSA can mean waiting hours or getting disconnected, but I was connected in under 15 minutes with their service. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU It really helped me when I needed to speak with someone about my specific situation with returning to work. For something this important, you want to make sure everything is documented correctly from the start.

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That's really good to know! I've tried calling SSA a few times and either wait forever or get disconnected. I'll check this out because I definitely want to talk to someone directly before making any decisions.

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One more important point: when you return to work, you should report your earnings to SSA monthly rather than waiting. This helps prevent overpayments which can be a huge headache later. If you have a smartphone, the SSA has a mobile wage reporting app called "SSI Mobile Wage Reporting" that some SSDI beneficiaries can use. Otherwise, you can report online through my Social Security account, by phone, or in person. Consistent reporting is absolutely crucial to avoid problems down the road. I've seen so many clients face overpayment notices simply because they didn't know they needed to report or didn't report consistently.

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the app doesnt work for SSDI only for SSI, i tried using it an they told me i had to call in or do it online

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@profile7 is right - the mobile app is currently only for SSI recipients, not SSDI. For SSDI, you need to report through your my Social Security account, by phone, or by visiting an office. Thanks for that correction! @OP - Another consideration: if you're planning this transition, consider meeting with a benefits counselor through your state's Work Incentives Planning and Assistance (WIPA) program. They provide free benefits counseling to understand exactly how working affects your specific situation. You can find your local WIPA through the SSA website.

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I really appreciate all the advice everyone! I'm feeling more confident about trying to return to work with the Trial Work Period protection, and knowing that new earnings could actually increase my future retirement benefits is motivating. I think I'll start with part-time work to test my stamina and use the Ticket to Work program. I'll definitely document everything carefully and use that Claimyr service to talk with SSA directly about my specific situation. The fatigue is still scary, but maybe I can find something that accommodates my condition. Even replacing a few low-earning years in my record would help my long-term financial situation. Thank you all for sharing your experiences and knowledge!

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Sounds like a solid plan! Taking it slow with part-time is smart. When I started back, I negotiated flexible hours with my employer to accommodate fatigue - working from home some days and scheduling around my energy levels. Many employers are more flexible now than they used to be. Good luck!

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I'm in a similar situation and have been researching this extensively. One thing I haven't seen mentioned yet is the importance of understanding how your SSDI benefits convert at Full Retirement Age (FRA). When you reach FRA, your SSDI automatically converts to retirement benefits at the same amount - but here's the key: if you've had substantial earnings after your SSDI began, SSA will recalculate your benefit amount to include those higher earnings years. This recalculation happens automatically, so you don't need to apply for it. Also, regarding Medicare - you keep it for 93 months (almost 8 years) after your Trial Work Period ends, even if your cash benefits stop due to work. That's huge peace of mind when considering the financial risk of returning to work. Have you considered looking into remote work opportunities? With your fatigue issues, avoiding a commute and having more control over your environment might help manage your condition while still allowing you to earn substantial income that could boost your future retirement benefits.

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That's really helpful information about the automatic recalculation at FRA! I hadn't realized it happens automatically - that takes some worry off my mind. Remote work is definitely something I'm considering since the commute and office environment can be exhausting with my condition. Do you know if there are specific remote job resources for people with disabilities? I'm thinking something part-time in customer service or data entry might be manageable for me to start with.

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@Amelia Martinez - Yes, there are several great resources for remote work for people with disabilities! Check out AbilityJobs.com and DisabilityIN.org - they both have remote job boards specifically for people with disabilities. FlexJobs also has a disability category and you can filter for remote work. For customer service roles, companies like LiveWorld, Working Solutions, and ModSquad often hire remote workers and are disability-friendly. The National Telecommuting Institute Nति.org (also) provides free job training and placement specifically for people with disabilities in remote positions. Many of these programs understand the need for flexible schedules around health conditions. Start with part-time like you mentioned - it s'a smart approach to test your stamina while staying within the Trial Work Period protections.

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@Amelia Martinez - Yes, there are several good resources for remote work specifically for people with disabilities! Check out AbilityJobs.com and DisabilityJobExchange.com - they both specialize in remote-friendly positions. Also, many state vocational rehabilitation agencies now have remote work specialists who can help with job placement. For customer service roles, companies like LiveWorld, Working Solutions, and The Williams Group often hire remote customer service reps and are disability-friendly. They re'used to providing accommodations like flexible schedules. One tip: when you do find opportunities, don t'forget you can request reasonable accommodations during the application process if needed. Things like extra time for assessments or modified interview formats are totally legitimate requests. The key is starting small like you mentioned - even 15-20 hours a week can help you test your limits while staying within the Trial Work Period protections.

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@Amelia Martinez - Yes, there are several great resources for remote work opportunities for people with disabilities! Check out AbilityJobs.com, DisabilityJobs.net, and the Job Accommodation Network JAN (website) which has a searchable database of remote-friendly employers. Also look into FlexJobs.com - they specialize in flexible and remote positions and often have customer service and data entry roles that might work well with your condition. Many companies like LiveWorld, Working Solutions, and Arise specifically hire for remote customer service with flexible scheduling. The key is finding employers who already understand accommodation needs rather than having to educate them from scratch. Start with part-time like you mentioned - that s'exactly what I did and it made the transition much more manageable.

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@Amelia Martinez - Yes! There are several great resources for remote work opportunities specifically for people with disabilities. Check out AbilityJobs.com and Getting Hired - they both specialize in connecting people with disabilities to remote-friendly employers. The Job Accommodation Network JAN (also) has a searchable database of employers known to provide accommodations and remote work options. Many companies now actively recruit people with disabilities for remote customer service, data entry, and virtual assistant roles. Also consider reaching out to your state s'Vocational Rehabilitation services - they often have partnerships with employers specifically for remote positions and can provide job coaching support as you transition back to work. Starting part-time with customer service or data entry sounds like a smart approach given your fatigue concerns. Many of these positions allow flexible scheduling which could be perfect for managing your energy levels.

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@profile18 - Yes, there are several great resources for remote work specifically for people with disabilities! Check out these: 1. AbilityJobs.com - focuses specifically on disability-friendly employers 2. DisabilityIN's job portal - many remote opportunities 3. FlexJobs.com - filters for remote/flexible work and has disability resources 4. The Viscardi Center's employment services - they help with remote job placement For customer service or data entry specifically, companies like LiveWorld, Working Solutions, and Arise often hire remote workers and are known to be accommodating. Many call centers now operate fully remote too. Also, your state's Vocational Rehabilitation office might have connections to remote work opportunities and could even help with training or equipment if needed. Some VR offices have partnerships with employers specifically for remote positions. The key is being upfront about your accommodation needs during the interview process - most legitimate remote employers are already set up to be flexible since that's the nature of remote work anyway.

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For remote work opportunities specifically for people with disabilities, I'd recommend checking out these resources: 1. **AbilityJobs.com** - specializes in connecting employers with disabled job seekers, many remote positions 2. **FlexJobs.com** - has a disability-friendly filter and tons of remote/flexible opportunities 3. **Enable Me** - another job board focused on disability employment 4. **Your state's Vocational Rehabilitation office** - they often have partnerships with employers who specifically recruit people with disabilities For customer service and data entry specifically, companies like LiveWorld, Working Solutions, and ModSquad frequently hire remote workers and are generally accommodating. Also, don't overlook federal employment - Schedule A hiring authority allows people with disabilities to be hired non-competitively for many government positions, including remote ones. USAJobs.gov has a good disability employment section. The key is being upfront about needing accommodations during the interview process - legitimate employers will work with you on flexible schedules and work-from-home arrangements.

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@Amelia Martinez Yes, there are several great resources for remote work specifically for people with disabilities! Check out AbilityJobs.com and DisabilityJobExchange.com - they both specialize in disability-friendly employers and many listings are remote. Also, the Job Accommodation Network JAN (at) askjan.org has tons of resources about workplace accommodations. For customer service roles, companies like LiveWorld, Working Solutions, and Arise often hire remote customer service reps with flexible schedules. FlexJobs.com also has a disability-friendly filter for their remote job listings. Since you re'dealing with fatigue issues like the original poster, starting with something like 20-25 hours per week might be perfect during your Trial Work Period. You can always increase hours later if your stamina improves. The key is finding employers who understand that productivity matters more than rigid schedules. Good luck with your search! Remote work was a game-changer for managing my own health condition while building back up my earnings record.

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@Amelia Martinez There are several great resources for remote work for people with disabilities! Check out AbilityJobs.com, DisabilityIN s'job board, and JAN Job (Accommodation Network -) they have a searchable database of remote-friendly employers. FlexJobs also has a disability filter for remote positions. For customer service specifically, companies like LiveWorld, Working Solutions, and ModSquad often hire remote workers and are disability-friendly. The key is being upfront about accommodation needs during the interview process - most companies are more willing to work with you than you might expect, especially for remote roles where physical office accommodations aren t'needed.

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@Amelia Martinez - There are several good resources for remote work specifically for people with disabilities! Check out AbilityJobs.com and DisabilityIN.org - they both have remote job listings. Also, many state Vocational Rehabilitation agencies now help with remote job placement and can provide accommodations like ergonomic equipment. The Job Accommodation Network JAN (at) askjan.org has great resources too. Customer service and data entry are definitely good starting points - many companies are very open to remote arrangements for these roles now. Just make sure to track your hours carefully for SSA reporting!

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There are several great resources for remote work opportunities for people with disabilities! Check out disabilityjobexchange.org and abilityjobs.com - they specifically focus on disability-friendly employers. Also, many state vocational rehabilitation agencies have partnerships with remote-work employers. FlexJobs is another good platform that screens for legitimate remote positions, though it has a small subscription fee. Customer service and data entry are perfect starting points since they often offer flexible scheduling. The key is finding employers who understand accommodation needs from the start rather than trying to retrofit a traditional job.

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@Amelia Martinez - Yes, there are several good resources for remote work opportunities for people with disabilities! Check out: 1. **AbilityJobs.com** - specifically focuses on disability-inclusive employers with remote options 2. **FlexJobs.com** - has a disability-friendly filter and tons of remote part-time opportunities in customer service and data entry 3. **DisabilityIN.org** - their job board features inclusive employers 4. **EARN (Employer Assistance and Resource Network)** - provides resources and job leads Many companies like LiveWorld, Working Solutions, and Arise specifically hire remote customer service reps and are known to be accommodating. For data entry, companies like Clickworker, DataPlus+, and Axion Data Services often have flexible remote positions. The key is being upfront about needing flexible scheduling during interviews - frame it as "I work best with flexible hours to optimize my productivity" rather than focusing on limitations. Most remote employers care more about results than strict schedules anyway. Also consider freelance platforms like Upwork or Fiverr where you can completely control your workload and schedule. Start small and build up as your energy allows!

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This is such valuable information! I've bookmarked all those resources you mentioned. The idea of framing flexibility as productivity optimization is brilliant - I never thought of it that way. I'm particularly interested in the freelance platforms since I could truly control my workload based on how I'm feeling each day. Starting with something like data entry or simple customer service tasks seems much less overwhelming than jumping into full-time employment right away. Thank you for taking the time to share all these specific resources - it gives me a real roadmap to start with!

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I wanted to add one more resource that's been incredibly helpful for me as someone who's navigating work with a disability - the Job Accommodation Network (JAN) at askjan.org. They have free consultants who can help you think through what workplace accommodations might help with your fatigue issues. Some accommodations that have worked well for people with fatigue conditions include: - Flexible start/end times to work around your peak energy hours - Permission to take short breaks as needed - Option to work from home on bad days - Modified lighting or workspace setup to reduce energy drain - Reduced travel or meeting requirements The great thing about JAN is they can help you figure out how to request accommodations professionally and what's reasonable to ask for. They also have sample accommodation request letters. Since you mentioned your fatigue is unpredictable, having a plan for accommodations before you start working could make the difference between success and having to stop again. Many employers are more willing to work with you if you come prepared with specific, reasonable solutions rather than just saying "I have fatigue issues." Best of luck with whatever you decide! The Trial Work Period really does give you a safety net to test things out.

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This is such great information about JAN! I had no idea there was a free service that could help with accommodation requests. The specific examples you mentioned really resonate with me - especially the flexible start/end times since my energy levels are definitely higher at certain times of day. Having sample request letters would be huge too since I've never had to navigate this before. It's reassuring to know there are ways to proactively address the fatigue challenges rather than just hoping for the best. I'm going to check out askjan.org right away. Thank you for sharing this resource!

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