There is a common misconception that people receiving SSD benefits are unable to work. The Social Security Administration (SSA) is aware that some of these beneficiaries may be capable of working, but with limited capacity.
If you are receiving SSD benefits in Michigan, you may be wondering: Can you work part-time and keep your benefits? The answer is yes, but your employment will be subject to certain rules and income limits.
SSDI and basic work rules
Social Security Disability Insurance (SSDI) is a government-funded benefit provided to disabled people. You can collect SSDI benefits while working part-time, but SSA will track your income closely to ensure that it does not go over the limit.
The Trial Work Period (TWP)
The point of the TWP is for the SSD beneficiary to assess if they will be able to work while still being considered as disabled so as not to lose their benefits. If you want to test the waters, you have up to nine months to go back to work while retaining your status as disabled even if your earnings go above the normal limits, which in 2025 is $1,160. Every time you reach the limit, it counts as a month, but they do not have to be succeeding months. Here is an example:
- January: You earned $1500, so it counts as one TWP month.
- February: You earned $650, so this does not count as one TWP month.
- March: You earned $1,170, so it counts as another TWP month.
At the end of month nine, the SSA will evaluate if you can support yourself and you enter the Extended Period of Eligibility (EPE). During this 36-month work incentive period, the SSA will monitor your monthly earnings to check how they fare relative to the Substantial Gainful Activity (SGA) limit, which is further explained below.
Substantial Gainful Activity (SGA) thresholds
The SGA is the maximum amount you can earn without losing your SSDI benefits. As of 2025, the limit is $1,620 monthly for most individuals and $2,700 for statutorily blind people. If you consistently earn higher than these limits, your SSDI benefits may stop.
Secure your benefits
Working while in SSDI is still possible despite your medical limitations, but you need to follow SSA rules and adhere to income limits. If you find the TWP, EPE and SGA confusing and you are unsure how to stay within guidelines, consult a Michigan SSD lawyer who can help you navigate the process. Remember, your livelihood depends on your compliance, so stay mindful of the rules to protect your benefits and your peace of mind.