When dealing with a disability, many individuals wonder whether it’s possible to leave their current job without jeopardizing their benefits or financial security. The answer isn’t straightforward and depends on several factors, including the type of disability benefits you’re receiving and your personal situation. In this article, we’ll explore the important considerations for anyone thinking about quitting their job while on disability.
By the end of this guide, you’ll have a clearer understanding of your rights, potential consequences, and options available to you. Let’s dive in.
Understanding Disability Benefits
Before deciding whether to quit your job while on disability, it’s important to understand the two primary types of disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
Social Security Disability Insurance (SSDI)
SSDI is a federal program designed to provide financial assistance to individuals who are unable to work due to a disability. To qualify for SSDI, you must have worked for a certain number of years and paid into the Social Security system. The benefits you receive depend on your work history and the severity of your condition.
Supplemental Security Income (SSI)
Unlike SSDI, SSI is a need-based program for individuals who are disabled and have limited income and resources. It doesn’t require a work history, but applicants must meet strict income and asset requirements. The amount of SSI benefits you receive is based on your financial need and living situation.
Can You Quit Your Job While on Disability?
The answer to this question depends on whether you’re receiving SSDI or SSI and your individual circumstances. Here are some key things to consider before making a decision:
Impact on SSDI Benefits
If you’re receiving SSDI benefits, quitting your job may have little impact, as long as you’re no longer earning above the substantial gainful activity (SGA) limit. The SGA limit refers to the amount of income a person can earn and still qualify for SSDI benefits. For 2025, this limit is $1,470 per month for non-blind individuals and $2,460 for blind individuals.
- If you quit your job and do not earn more than the SGA limit, you can continue to receive SSDI benefits without any issues.
- If you’re earning above the SGA limit, quitting your job may not be enough to continue receiving benefits, and you may need to stop earning above that threshold to qualify.
Impact on SSI Benefits
For those receiving SSI, quitting a job may have a more immediate impact. SSI is designed to provide benefits based on financial need, so if you quit your job, your income would decrease, which could make you eligible for more benefits. However, it’s important to note that quitting a job doesn’t automatically guarantee an increase in SSI benefits.
Additionally, the Social Security Administration (SSA) uses a complex formula to determine the amount of SSI you’re entitled to, factoring in your other resources and income. If quitting your job leads to an increase in income from other sources or raises your overall financial status, your SSI benefits may be reduced.
Trial Work Period
For those on SSDI, there is a safety net in place known as the Trial Work Period (TWP). This allows individuals to test their ability to work for up to nine months without losing SSDI benefits, as long as they earn above a certain amount (in 2025, this is $1,050 per month). During the trial period, you can work as much as you can and still receive your full SSDI benefits. After the trial period ends, the SSA will review your work history to determine whether you are still eligible for benefits.
The Risks of Quitting Your Job While on Disability
Quitting your job while on disability comes with both risks and rewards. Here are some risks to keep in mind:
Loss of Health Coverage
If you’re receiving SSDI or SSI, you may also have health insurance through Medicaid or Medicare. Quitting your job could affect your ability to keep this coverage, especially if you no longer qualify for benefits. It’s crucial to understand how your health insurance will be impacted if you decide to quit working, as maintaining medical coverage can be critical for managing your condition.
Uncertainty Around Income
While disability benefits are intended to provide financial assistance, they are often not enough to fully replace a lost income. Quitting your job may leave you with less money to cover your daily expenses, especially if you were receiving a substantial income before becoming disabled.
It’s important to carefully assess your finances and whether you’ll be able to maintain a reasonable standard of living without the additional income from your job. You may want to explore other forms of financial assistance, like unemployment benefits or private disability insurance, before making the decision to quit.
Loss of Work Skills and Social Interaction
Depending on your disability, quitting your job may mean losing valuable work skills, professional connections, and social interactions. While some individuals may feel that stepping away from their job is the best choice for their health, others may struggle with the loss of their routine and sense of purpose. Be sure to consider how quitting your job might affect your mental and emotional well-being.
Alternatives to Quitting Your Job While on Disability
If you’re unsure whether quitting your job is the right decision, consider these alternatives:
Part-Time Work or Reduced Hours
Rather than quitting your job completely, you might consider reducing your hours or taking on part-time work. This option could allow you to maintain some income while still focusing on your health and managing your disability.
Telecommuting or Remote Work
If your disability allows it, you could ask your employer if there’s an option to telecommute or work remotely. Many employers are open to flexible arrangements, which could allow you to continue working without the physical strain of commuting or working in a traditional office.
Vocational Rehabilitation Services
If you’re unsure whether you can return to your previous job, vocational rehabilitation services may be an option. These programs are designed to help individuals with disabilities find alternative employment opportunities that align with their skills and abilities. Vocational rehab can also assist with retraining for a new career if needed.
Conclusion
Quitting your job while on disability is a personal decision that requires careful consideration. While it may be possible to quit and continue receiving benefits, it depends on the type of benefits you’re receiving, your income level, and your specific circumstances. It’s important to consult with a disability attorney or financial advisor to ensure you understand the potential consequences before making any decisions.
If you’re unsure whether quitting is the best option, explore alternatives like part-time work, telecommuting, or vocational rehabilitation to see if there’s a way to balance your health and income. Taking the time to understand your options can help you make the best choice for your future.
Andre Cuevas provides career insights, job search strategies, and professional advice to help individuals navigate the job market and achieve their career goals.
