Understand the SSA’s Work Rules and Limits

The SSA uses the Substantial Gainful Activity (SGA) limit to decide if your work counts as “substantial.” If you earn more than this limit, you could lose SSDI benefits. In 2025, the SGA limit for non-blind individuals is $1,550 per month, and for blind individuals, it’s $2,590 per month (before taxes).

Washington SSDI recipients can also use special programs to work safely:

• Trial Work Period (TWP): Lets you earn above the SGA for 9 months (not necessarily consecutive) without losing benefits.
• Extended Period of Eligibility (EPE): Gives you 36 more months after your trial period where you’ll receive benefits for any month your earnings fall below the SGA limit.

Track and Report Your Earnings Accurately

The SSA requires you to report all work activity, including hours, wages, and any changes in your job duties. Failing to report can result in overpayments, penalties, or suspension of benefits.

Tips for Staying Compliant:

• Keep a monthly log of hours and gross earnings.
• Notify SSA immediately if your income changes.
• Save copies of pay stubs or proof of self-employment income.

Know Your Work Options in Washington

Some SSDI recipients in Washington use part-time jobs, remote work, or self-employment to supplement their income while staying under SGA limits. You may also qualify for state-specific programs, such as:

• Washington Division of Vocational Rehabilitation (DVR): Offers job training, counseling, and placement services.
• Ticket to Work Program: Connects you with employment networks and training resources without immediately risking benefits.

Be Prepared for Re-Evaluations

The SSA periodically reviews SSDI cases to ensure you still meet disability requirements. If you return to work, be ready to provide:

• Updated medical records.
• Detailed income reports.
• Documentation of any work accommodations.