Can You Work While Receiving SSD Benefits?

Understanding SSD Work Limits

Many individuals who receive Social Security Disability (SSD) benefits often wonder if they can continue to work without jeopardizing their benefits. The short answer is yes, you can work while receiving SSD benefits, but there are specific regulations and limits that you need to be aware of.

The Role of the Trial Work Period

One of the key aspects of working while on SSD benefits is the Trial Work Period (TWP). The TWP allows you to test your ability to work without losing your benefits. During this period, you can work and earn more than the designated “substantial gainful activity” (SGA) limit for up to nine months, without it affecting your SSD benefits.

What Counts as a Trial Work Month?

A month counts as a trial work month if your earnings exceed a specific amount set by the Social Security Administration (SSA). As of 2025, this amount is $1,160 per month, but it’s important to note that this figure may change yearly as it is indexed to national wage averages.

After the Trial Work Period

Once the nine-month TWP is completed within a rolling 60-month period, the rules change slightly. You enter an Extended Period of Eligibility (EPE) for 36 months where you can still receive benefits for any month your earnings are below the SGA threshold, which is $1,670 for non-blind individuals in 2025.

Special Circumstances and Exceptions

There are special circumstances, such as unsuccessful work attempts and impairment-related work expenses, that can further affect how earnings are counted against your benefits. Navigating these can be complex, and it is often beneficial to have expert guidance.

Getting Help

If you have questions or concerns about how working might impact your SSD benefits, consider reaching out to Panza Legal Services. Our experienced team can provide personalized advice to ensure your rights and benefits are protected.