When can Impairment-Related Work Expenses (IRWE's) be used?

Impairment-Related Work Expenses (IRWEs) can be utilized to offset earnings against the Substantial Gainful Activity (SGA) threshold during certain periods of the Social Security Administration's (SSA) work incentive programs. The correct answer reflects that IRWEs can be claimed after the Trial Work Period (TWP) if an individual exceeds the SGA level.

During the TWP, individuals can earn any amount of money, and it does not affect their eligibility for disability benefits. However, this period does not provide the same flexibility regarding IRWEs because the focus is on testing the ability to work rather than on earnings limits. Once the TWP concludes and an individual's earnings surpass the SGA level, they must consider the financial implications of these earnings on their disability benefits. At this point, individuals can deduct their IRWEs from their earnings, which may allow them to remain eligible for benefits while still financially supporting themselves through work.

Understanding that the use of IRWEs is specifically aligned with maintaining eligibility in the context of earnings exceeding SGA is critical. After the grace period ends, if an individual is earning over SGA, their benefits are subject to termination, further underscoring the importance of utilizing IRWEs to manage