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Substantial Gainful Activity (SGA)
The Social Security Administration (SSA) defines substantial gainful activity (SGA) as work that involves significant physical or mental activities and that generates a certain level of income. For 2023, the SGA threshold is $1,470 per month for non-blind individuals and $2,460 per month for blind individuals.
Trial Work Period (TWP)
If you are receiving SSDI benefits and want to try working, you may be eligible for a trial work period (TWP). The TWP is a nine-month period during which you can test your ability to work without losing your SSDI benefits. If you earn more than the SGA limit during your TWP, your benefits will stop, but you will have a five-month grace period before your benefits are officially terminated.
Extended Period of Eligibility (EPE)
If you are still disabled but able to perform some work, you may be eligible for an extended period of eligibility (EPE). The EPE lasts for 36 months following your TWP. During the EPE, you can continue to collect SSDI benefits even if you earn more than the SGA limit. However, your benefits will be reduced by $1 for every $2 that you earn over the SGA limit.
Reporting Requirements
If you are receiving SSDI benefits and working part-time, it is important to report your earnings to the SSA every month. You can do this by calling the SSA's toll-free number (1-800-772-1213) or by visiting your local SSA office.
Consult with a Benefits Advisor
The rules and regulations surrounding SSDI benefits and work can be complex. If you are planning to work part-time while receiving SSDI benefits, it is advisable to consult with a benefits advisor or disability attorney to ensure that you remain eligible for benefits and to understand your rights and obligations.