Understanding SSA’s Work Rules for Disability Recipients

The SSA encourages people who receive disability benefits to try returning to work if they can. But there are important guidelines, especially regarding how much you can earn.

Substantial Gainful Activity (SGA)

• For 2025, the SGA limit is $1,550 per month for non-blind individuals and $2,590 for blind individuals.
• If you earn above this limit, SSA may decide you're no longer disabled and stop your benefits.
• However, part-time work is allowed as long as your income stays below the SGA threshold.

Trial Work Period (TWP)

If you’re receiving Social Security Disability Insurance (SSDI), you may qualify for a Trial Work Period:

• Allows you to test your ability to work for up to 9 months (not necessarily consecutive).
• During TWP months, you can earn any amount, and you’ll still receive full benefits.
• For 2025, a month counts toward TWP if you earn over $1,110.
• After the TWP, SSA may monitor your income more closely.

SSI and Part-Time Work

If you're receiving Supplemental Security Income (SSI), your part-time earnings will affect your monthly benefit:

• The SSA uses a formula: They disregard the first $85, then reduce your SSI by 50 cents for every dollar earned after that.
• You must still report your income every month to avoid overpayments.

Reporting Your Earnings

No matter which program you're on (SSDI or SSI), you must:

• Report all income to the SSA immediately.
• Keep track of hours worked and paystubs.
• Notify SSA of any changes in your employment status.



Failure to report income can lead to overpayments, penalties, or loss of benefits.