If you’re receiving disability benefits, you might wonder, “Can I work, and if so, how much?” It’s a common question for people managing the balance between financial support and staying active in the workforce.
At Burgess & Christensen, we’ve spent over 40 years guiding individuals through the ins and outs of Social Security Disability laws. We’re here to make this complicated issue easier to understand.
In this guide, we’ll break down everything you need to know about working while on disability, so you can make informed choices without risking your benefits. Let’s take a closer look.
Understanding Social Security Disability Benefits
There are two main disability programs administered by the Social Security Administration (SSA): Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). While both provide financial assistance, they serve different purposes and have distinct eligibility requirements.
Social Security Disability Insurance (SSDI)
SSDI is designed for individuals who have worked and paid Social Security taxes. To qualify, you must meet specific work credit requirements based on your age at the time of your disability. SSDI benefits depend on your work history and are not affected by personal financial resources.
Supplemental Security Income (SSI)
SSI, on the other hand, is a needs-based program for people with limited income and resources. Unlike SSDI, it doesn’t require a work history. However, you must meet strict income and asset limits to qualify.
Understanding the differences between these two programs is essential because the rules about working while on disability can vary depending on which program you’re enrolled in.
Substantial Gainful Activity (SGA) Limits
One of the most critical factors in determining whether you can work while receiving disability benefits is the concept of Substantial Gainful Activity (SGA). SGA refers to the level of income that SSA considers “substantial,” and exceeding these limits can disqualify you from benefits.
SGA Limits for 2025
● Non-blind individuals: $1,620 per month
● Blind individuals: $2700 per month
Trial Work Period (TWP)
The Trial Work Period (TWP) is a special provision for SSDI recipients. It allows you to test your ability to work without jeopardizing your benefits. This can be a helpful option if you’re unsure about returning to the workforce.
How It Works
● The TWP lasts for 9 months within a rolling 60-month timeframe. The 9 months do not have to be consecutive.
● Any month in which you earn over $1,160 (2025 threshold) counts as a trial work month.
● During this period, you’ll continue receiving your full benefits, no matter how much you earn.
The TWP provides a safety net, giving you the chance to explore work opportunities without the fear of losing your financial support.
Special Considerations
While the rules are generally straightforward, there are a few exceptions and unique scenarios worth noting:
Self-Employment
If you’re self-employed, the SSA evaluates your work differently. Instead of just looking at your income, they consider the number of hours you work, the type of work that you perform, and the value of the services that you provide.
Business Owners
For those who own businesses, the SSA may evaluate your work activity based on your responsibilities, and the value of the services that you provide, even if your income is below the SGA threshold.
Working While on SSI
For SSI recipients, the rules about working are slightly different. While SGA limits still apply, there is no TWP for those receiving SSI. Instead, the SSA uses a formula to calculate how earnings affect your monthly benefit.
How Earnings Affect SSI
● The SSA excludes the first $85 of earned income ($20 general exclusion + $65 earned income exclusion).
● After that, 50% of your remaining earnings are subtracted from your SSI benefit.
Example:
● You earn $1,000 in a month.
● The first $85 is excluded, leaving $915.
● Half of $915 is $457.50, which is deducted from your SSI benefit.
While working reduces your monthly SSI payment, it doesn’t necessarily disqualify you from the program entirely.
Reporting Work Activity
When you start working, it’s essential to keep the SSA informed. Failing to report changes can lead to overpayments, penalties, or even loss of benefits.
What to Report
● Starting or stopping a job
● Changes in your job duties, hours, or pay rate
● Any increase or decrease in income
Make sure to notify the SSA promptly to avoid misunderstandings or complications.
Georgia Residents: Get Guidance on Working While on Disability
The rules surrounding work and disability benefits can feel overwhelming, but you don’t have to figure it out alone. At Burgess & Christensen, we’ve helped Georgia residents for over four decades, and we’re ready to assist you too.
Whether you’re exploring work options or facing challenges with your disability benefits, we’re here to provide clarity and support. Contact us today for a free consultation at 770-422-8111 or complete our online contact form to schedule a conversation. Let us help you protect your benefits while planning for the future.