Can You Have Investments While On SSDI?

Saturday, April 20th 2024

Social Security Disability Insurance (SSDI) is a federal program in the US designed to assist those unable to work due to qualifying disability with financial support. SSDI recipients frequently inquire as to their ability or eligibility in making investments while collecting benefits; or maintaining existing ones while investing.

This comprehensive post examines the relationship between SSDI and investments, looking specifically at types of permitted investments that could impact benefits as well as strategies that ensure financial security without jeopardizing eligibility. Furthermore, we’ll highlight why staying up to date with any latest rules or regulations could prevent potential issues arising later.

Before diving deeper into investing while on SSDI, it is crucial to comprehend its fundamentals. SSDI is administered by the Social Security Administration and designed to provide financial support for people unable to work due to disability; to qualify individuals must accumulate sufficient work credits and meet its definition of disability. SSDI differs significantly from Supplemental Security Income (SSI), a needs-based program intended for people who possess limited income or resources.

Can You Have Investments While on SSDI?

Yes, investing is allowed while receiving SSDI benefits; however, it’s essential that you understand all types of investments available and their effect on eligibility and benefits.

Non-Countable Resources

Certain investments do not affect SSDI eligibility. Examples are:

These investments typically do not affect SSDI benefits if they remain within certain parameters.

Countable Resources

Resources that could impact your SSDI eligibility include investments that count as income; such investments might include:

Notably, SSDI benefits do not rely on financial need as their eligibility criterion; so, having investments will still enable you to receive payments provided that they meet disability criteria and have earned enough work credits. As regulations change over time, however, staying informed could have significant ramifications on eligibility status and should never be overlooked as part of an application process.

How Investments Can Affect Your SSDI Benefits

Though investing is legal, certain investments could potentially have an adverse impact on SSDI benefits:

Strategies to Manage Investments While on SSDI


While investments can be undertaken while receiving SSDI benefits, it’s vital that you understand which ones are allowed and their impact. By diversifying your portfolio and keeping an eye on income levels as well as planning ahead for tax implications and staying informed, you can manage them successfully without jeopardizing SSDI eligibility. Seek advice from both a financial adviser and tax professional when making important financial decisions to safeguard the future.

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