You can do some work while on disability — but earn too much and you risk your benefits. Here’s how the limits work.
Substantial gainful activity (SGA)
The SSA sets an annual earnings threshold called substantial gainful activity. Earn above it and you’re generally considered able to work, which can end or prevent benefits. The limit changes yearly and is higher for blind individuals.
Can you work while receiving disability? The trial work period
SSDI recipients get a trial work period — months where you can test working without losing benefits, regardless of how much you earn, followed by an extended period of eligibility. The rules are generous but easy to trip over.
Denied or unsure where to start? A free case review takes minutes and there’s no fee unless we win.
Request your free case review →Ticket to Work
This free, voluntary program lets beneficiaries pursue employment with protections in place, including continued benefits and Medicare while you transition. It’s designed to remove the fear of trying.
Report your work
Always report work and earnings to the SSA. Failing to report can create overpayments you’ll have to repay. When in doubt, document and disclose.
Get advice before you start
The work rules are among the most confusing in the system. A quick conversation before you take a job can protect benefits you’ve worked hard to secure.
Talk to a Tennessee disability lawyer — free
No fee unless we win. We respond within 2 business hours.