Understanding Work Rules While on SSDI

If you’re receiving Social Security Disability Insurance (SSDI):

• The Social Security Administration (SSA) allows you to try working while still receiving benefits through the Trial Work Period (TWP).
• During TWP, you can work for up to 9 months (not necessarily consecutive) within a 60-month rolling window and still receive full SSDI benefits.

Trial Work Period (TWP) Key Details:

• In 2025, if you earn more than $1,110/month, that month counts as a trial work month.
• After 9 TWP months, you enter the Extended Period of Eligibility (EPE).

What Is the Extended Period of Eligibility (EPE)?

After completing your Trial Work Period:

• You have 36 months where you can still receive benefits for any month your earnings fall below the Substantial Gainful Activity (SGA) level.
• The SGA limit in 2025 is $1,550/month (or $2,590/month if you’re blind).
• If your earnings go above this limit, your benefits may be paused — but not necessarily terminated.

Supplemental Security Income (SSI) and Working

If you receive SSI instead of SSDI:

• The SSA reduces your benefits based on how much you earn, but you can still work part-time and receive SSI.
• SSA excludes the first $85/month of earned income.
• After that, benefits are reduced by $1 for every $2 you earn.

Reporting Work Activity to the SSA

It’s critical to report all work activity and earnings to the SSA to avoid overpayments or penalties.

• Report new jobs, wages, hours worked, and changes in work status.
• Keep copies of pay stubs and correspondence.

Failing to report work activity may result in overpayment, and you may be required to repay benefits.

Can You Work Part-Time on Disability in North Carolina?

Yes, many people work part-time while receiving disability benefits, especially during the trial work period or EPE. Just be cautious to:

• Stay below the SGA limit
• Keep detailed records of your earnings
• Communicate openly with the SSA