SSDI Income Limits for 2025

The SSA updates income thresholds each year. As of 2025, the monthly SGA limits are:

• $1,620/month for non-blind individuals
• $2,700/month for blind individuals

If you earn more than the SGA threshold, the SSA may determine that you’re capable of substantial work activity and deny or stop your benefits. This rule applies uniformly across all states, including Kansas.

How Income Affects Your SSDI Eligibility

If you apply for SSDI and report earned income above the SGA level, your application is likely to be denied unless you qualify under specific exceptions. Keep in mind:

• Unearned income (such as investments, gifts, or spousal income) generally does not count toward the SGA limit for SSDI.
• The SSA considers gross earnings before taxes.
• Occasional or part-time work that stays below the SGA threshold may be allowed.

Trial Work Period and Extended Period of Eligibility

If you're already receiving SSDI and want to try returning to work, the SSA provides these helpful programs:

• Trial Work Period (TWP): You can test your ability to work for up to 9 months while still receiving full SSDI benefits, no matter how much you earn (as long as it's reported). In 2025, earning more than $1,110/month counts as a trial work month.
• Extended Period of Eligibility (EPE): After the TWP, you enter a 36-month window where you can receive benefits for any month your earnings fall below the SGA limit.

These programs aim to support people who want to return to work without risking immediate loss of benefits.

Reporting Your Income to the SSA

If you're working or planning to start work, you must:

• Report your earnings promptly to avoid overpayments.
• Keep records of pay stubs, hours worked, and any work-related expenses.

Failure to report income may result in benefits being suspended or terminated—and you could be required to pay money back.