Understanding Work Limits Under SSDI

The SSA uses a concept called Substantial Gainful Activity (SGA) to evaluate whether your work activity is considered "too much" for disability benefits.

2025 SGA Limits:

• $1,620/month for non-blind individuals
• $2,700/month for statutorily blind individuals

If your monthly earnings regularly exceed the SGA limit, your SSDI benefits may stop—even if you're still disabled.

Trial Work Period (TWP)

The SSA gives SSDI recipients a chance to test their ability to work through the Trial Work Period, or TWP.

• You can earn any amount of income for up to 9 months within a 5-year period without losing benefits.
• In 2025, any month you earn over $1,160 counts as one of your 9 trial months.
• During these months, you still receive full SSDI benefits regardless of how much you earn.

This is a helpful tool if you're unsure whether you can return to work long-term.

Extended Period of Eligibility (EPE)

After you complete your TWP, you enter a 36-month Extended Period of Eligibility. Here’s how it works:

• You’ll still receive SSDI for any month your earnings are below the SGA limit.
• If your income goes over the limit, SSDI may be suspended.
• If your earnings drop again within the 36 months, benefits can resume without a new application.

Important Rules to Follow

To keep your SSDI benefits safe while working:

• Track your monthly income carefully
• Report all work activity and income to the SSA promptly
• Save pay stubs and work schedules in case SSA requests documentation
• Notify SSA immediately if your job duties or hours change significantly

Failing to report work can result in overpayments or termination of benefits.

Texas-Specific Considerations

While SSDI is a federal program, you may be able to access state-based vocational support programs in Texas to help you return to work safely. These services can help with job placement, workplace accommodations, and long-term planning as you explore work options without losing critical benefits.