1. Understand the SSDI Work Rules

When it comes to working while on SSDI, there are specific rules that determine whether or not your benefits will be impacted. Key points to consider include:

• Substantial Gainful Activity (SGA): SSDI recipients are allowed to work part-time, as long as their earnings don’t exceed the SGA limit. In 2025, the monthly SGA limit is $1,470 for non-blind individuals and $2,460 for blind individuals.
• Trial Work Period (TWP): SSDI beneficiaries can test their ability to work for up to nine months without losing benefits. During the TWP, you can earn any amount, and your SSDI benefits will continue. After the trial period, if you continue working, your benefits could stop if you earn above the SGA limit.
• Impact on Benefits: If you earn more than the SGA limit after the TWP, your SSDI benefits could be reduced or stopped. However, you may be eligible for a Continuing Disability Review (CDR) to assess if you are still disabled.

2. Be Aware of the Income Limits

While part-time work is allowed, the income you earn must fall within the guidelines. Important things to know include:

• Earned Income vs. Unearned Income: SSDI benefits are based on your earned income, which includes wages from employment. Unearned income, such as investment income or Social Security benefits for dependents, doesn't affect SSDI eligibility.
• Income Reporting: It's essential to report any changes in your income to the Social Security Administration (SSA) promptly. Failing to report could result in overpayments or other complications.
• Impact of Work on Benefits: If you consistently earn above the SGA limit, the SSA will assess whether you can still be considered "disabled" under their rules.

3. Explore Mississippi's Work Incentives Programs

Mississippi offers several programs to help individuals with disabilities transition back to work. Some programs that may support you include:

• Ticket to Work: This program helps SSDI recipients return to work by providing access to vocational rehabilitation services, job training, and other employment support.
• Impairment-Related Work Expenses (IRWE): If you have additional expenses due to your disability (such as transportation or specialized equipment), these costs may be deducted from your earnings when determining your benefit eligibility.
• State Vocational Rehabilitation Services: Mississippi offers vocational training and job placement services for SSDI recipients who want to return to work.

4. Consider the Impact on Health Insurance

While working part-time on SSDI, you may still be eligible for Medicare or Medicaid benefits. Keep these points in mind:

• Medicare Coverage: After 24 months of SSDI eligibility, you automatically qualify for Medicare, even if you're working. This coverage continues even if you earn above the SGA limit, provided you continue to qualify for SSDI.
• Medicaid: In Mississippi, you may qualify for Medicaid through the state’s Medicaid for Employed Disabled (MED) program, which provides healthcare benefits even if you're working part-time and earning above the federal poverty line.

5. Understand the Risks and Rewards

Before deciding to work part-time while on SSDI, consider both the potential rewards and risks:

• Increased Income: A part-time job can supplement your SSDI benefits, improving your financial situation without immediately jeopardizing your benefits.
• Risk of Losing SSDI Benefits: If your earnings surpass the SGA threshold after your Trial Work Period, you may lose your benefits or face a disability review to determine if you still meet the SSDI eligibility criteria.
• Long-Term Impact: If you plan to return to full-time work, it's important to understand how SSDI’s work rules might affect your long-term financial planning.