How Much Can You Work While Collecting SSDI?

If you’re receiving Social Security Disability Insurance (SSDI) benefits, you may wonder whether it's possible to earn some income without risking your benefits. The short answer is yes—you can work while collecting SSDI, but there are strict limits and guidelines you must follow. Understanding these rules can help you maintain your financial stability without jeopardizing your eligibility. For individuals living in Florida, especially in the Orlando area, consulting a social security disability attorney Orlando can provide guidance tailored to your specific situation.

Understanding SSDI and Work Limits

SSDI is a federal benefit program for people who have worked and paid Social Security taxes but are now unable to work due to a significant medical condition. While the program is designed for those who cannot engage in "substantial gainful activity" (SGA), the Social Security Administration (SSA) does allow for some limited work under specific circumstances.

As of 2025, the SGA limit for non-blind individuals is $1,550 per month. For blind individuals, the limit is higher, set at $2,590 per month. If you earn more than these limits, the SSA may consider that you are no longer disabled, which could result in termination of your SSDI benefits.

Trial Work Period (TWP)

To encourage SSDI recipients to try returning to work, the SSA offers a Trial Work Period. During this phase, you can work and earn any amount for up to nine months over a rolling 60-month period without losing your benefits. A month counts toward the TWP if your earnings exceed $1,110 (in 2025). These thresholds are adjusted annually for inflation.

It’s important to note that the TWP is meant to give you time to test your ability to work without the pressure of losing your income immediately. Many people make use of this program while working with a social security disability attorney Orlando to ensure they comply with SSA guidelines and protect their benefits.

Extended Period of Eligibility (EPE)

After completing your Trial Work Period, you enter the Extended Period of Eligibility, which lasts 36 months. During this time, your benefits continue in any month your earnings fall below the SGA level. If you earn above the SGA amount during this period, you will not receive your SSDI check for that month, but your benefits can resume in a month where your earnings drop again—without needing to reapply.

Reporting Requirements

One critical responsibility of SSDI recipients who start working is to report all work activity to the SSA promptly. Failure to do so can result in overpayments, penalties, or even accusations of fraud. Always report your start date, hours worked, duties performed, and earnings. A social security disability attorney Orlando can help you understand what information needs to be disclosed and assist in dealing with the SSA if any complications arise.

Self-Employment and SSDI

Working for yourself adds another layer of complexity. The SSA uses different criteria to evaluate self-employment income and work activity. Even if you’re not earning above the SGA level, the number of hours you work, the value of your services, and business profits all influence whether you’re still considered disabled under SSA rules.

If you're self-employed or considering starting a side business while receiving SSDI, it's wise to consult a social security disability attorney Orlando. They can help you assess whether your activity will trigger an SGA determination or disqualify you from receiving benefits.

Final Thoughts

While it's entirely possible to work part-time or on a limited basis while collecting SSDI, it's vital to remain within the established earning thresholds and understand the rules that govern your benefits. The SSA provides safety nets like the Trial Work Period and Extended Period of Eligibility, but each case is unique, and the consequences of missteps can be significant.

For Florida residents, particularly in the Orlando area, working with a knowledgeable social security disability attorney Orlando can make a big difference. These professionals can guide you through the regulations, ensure accurate reporting, and protect your access to essential income support while you navigate your path back to work.