Working Part-Time on SSDI or SSI in 2025: What You Need to Know

Working Part-Time on SSDI or SSI in 2025: What You Need to Know

Many people applying for or already receiving Social Security Disability benefits wonder: Can I work part-time and still qualify for SSDI or SSI in 2025? The answer is yes — but there are strict rules about how much you can earn without jeopardizing your benefits.

Understanding the Basics: SSDI vs. SSI

Before diving in, it’s important to distinguish between the two disability programs:

• ** SSDI (Social Security Disability Insurance)** is for workers who have paid into the Social Security system through taxes and have earned enough work credits.
• ** SSI (Supplemental Security Income)** is a needs-based program for people with limited income and resources, regardless of work history.

The rules for part-time work vary slightly between the two programs.

Working While on SSDI in 2025

If you receive SSDI, you can work part-time, but the ** Substantial Gainful Activity (SGA)limit for 2025 is expected to be around$1,550 per month **(or more if you’re blind). Earning above that amount may lead to the termination of your benefits.

However, the ** Trial Work Period (TWP)gives you a chance to test working without losing benefits right away.  In 2025, any month where you earn$1,110 or more ** may count toward the 9-month TWP.

After that period, you enter the ** Extended Period of Eligibility (EPE)** where you can still receive benefits in any month your earnings fall below SGA.

Working While on SSI in 2025

SSI is income-sensitive. If you work while on SSI, your monthly benefit will typically be reduced, not eliminated — unless your income exceeds certain thresholds.

Here’s a basic breakdown:

• The first **$20 of unearned income and$65 of earned income ** don’t count.
• After that,only half of your remaining earned income is deducted from your SSI benefit.

This means you can still earn some money and retain partial benefits.

** Example:** If you earn $885/month, only $400 is counted, and your SSI benefit will be reduced by that amount.

Will You Still Get Medicaid or Medicare?

• SSDI recipients qualify for Medicare after a 24-month waiting period.
• SSI recipients often qualify for Medicaid right away.

Even if your SSI benefits stop due to work,Medicaid coverage can continue under Section 1619(b) — as long as you remain disabled and your earnings are below a state-specific threshold (often over $40,000/year in some states).

Final Thoughts

In 2025, you can work part-time while receiving SSDI or SSI — but staying under the income limits and following the SSA’s rules is crucial. If you're unsure how part-time work might affect your benefits, consult Crossroads Disability by calling us or clicking the Free Case Evaluation button to see if you have a good case.

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