Understanding the Substantial Gainful Activity (SGA) Rule

The SSA uses the concept of Substantial Gainful Activity (SGA) to decide if your work is too much to still qualify for SSDI.

• In 2025, the SGA limit is $1,550 per month (or $2,590 per month if blind).
• If you earn more than this limit, SSA may consider you capable of substantial work and end your SSDI benefits.
• If you earn below the limit, you may continue receiving benefits while working part-time.

The Trial Work Period (TWP)

SSDI also offers a Trial Work Period, which allows you to test your ability to work:

• You can work for 9 months (not necessarily consecutive) within a rolling 60-month period.
• During this time, you may earn any amount and still receive full SSDI benefits.
• In 2025, any month you earn over $1,110 counts as a trial work month.

Extended Period of Eligibility (EPE)

After completing your TWP, you enter the Extended Period of Eligibility (EPE), which lasts 36 months.

• During the EPE, you’ll receive benefits for any month your earnings fall below the SGA limit.
• If your earnings exceed SGA, you won’t receive benefits that month.

Part-Time Work Examples in Utah

• Example 1: You work 15 hours a week at a part-time job making $900/month. This is below the SGA limit, so you can keep your SSDI benefits.
• Example 2: You take on extra hours and earn $1,600/month. Since this is above the SGA limit, your benefits may stop after your TWP or during your EPE.

Impact of Work on Medical Reviews

Working part-time in Utah can also trigger a Continuing Disability Review (CDR). The SSA may review your medical condition to ensure you still meet disability requirements if you show the ability to work.

Tips for Working Part-Time on SSDI

• Keep detailed records of your hours and wages.
• Report all work activity promptly to SSA to avoid overpayments.
• Speak with your doctor about whether your work aligns with your medical limitations.
• Consider consulting a disability attorney before starting part-time work.