Working while receiving disability benefits can feel like walking a tightrope. On one hand, you want the independence and extra income a job provides. On the other, you worry about losing the support you rely on. If you’ve asked yourself, “Will I lose my disability if I work part-time?”—you’re not alone. This guide breaks it down clearly so you can make an informed decision.
Quick Answer
If you work part-time while receiving disability benefits (SSI or SSDI), you won’t automatically lose your benefits. However, strict income and work rules apply. How much you can earn before affecting your payments depends on whether you’re on SSI or SSDI, and you must always report your earnings to Social Security to avoid overpayments or benefit loss.
Understanding Disability Benefits: SSI vs. SSDI
Before we get into work rules, it’s important to know which program you’re on:
- SSI (Supplemental Security Income): Need-based, for people with limited income and resources.
- SSDI (Social Security Disability Insurance): Based on your work history and payroll tax contributions.
The work rules differ for each program, so let’s break them down.
Part-Time Work Rules for SSI
SSI has strict income limits. In 2025, the federal benefit rate is $943 per month for individuals (ssa.gov). But here’s the catch:
- Not all income counts. The first $65 of earned income and half of what you make above that don’t reduce your SSI dollar-for-dollar.
- Example: If you earn $500 in a month, Social Security ignores the first $65, then halves the rest. Only $217.50 counts against your SSI.
This means you can work part-time without automatically losing SSI, but your benefit will shrink as your income rises.
Part-Time Work Rules for SSDI
SSDI is stricter because it’s tied to your ability to work.
- Substantial Gainful Activity (SGA): In 2025, earning more than $1,550/month ($2,590 if blind) usually means you’re not disabled under Social Security rules (ssa.gov).
- Trial Work Period (TWP): You can test working for 9 months while keeping your SSDI benefits, as long as your earnings are above $1,110/month (ssa.gov). After the TWP, there’s a 36-month extended period where you can still receive benefits if your earnings stay under SGA.
Bottom line: With SSDI, part-time work is allowed, but earnings above the limit can trigger a review and possible loss of benefits.
Work Incentives You Should Know
Social Security has built-in “safety nets” to encourage people with disabilities to work:
- Ticket to Work Program: Free support to find jobs and training without losing benefits right away (choosework.ssa.gov).
- Impairment-Related Work Expenses (IRWE): If you pay for things like mobility devices or specialized transportation to work, those costs may reduce your countable income.
- Medicaid and Medicare Protections: In many cases, you can keep health coverage even if your SSI or SSDI payments stop due to work.
Key Risks of Working Part-Time on Disability
- Overpayments: Failing to report earnings can lead to Social Security asking for money back.
- Benefit Suspension: Going over income or hours can suspend payments.
- Complex Rules: Each case is unique, and even part-time freelancing or gig work counts.
EXPERT ANSWERS
Can I work part-time without losing my disability benefits?
Yes, but it depends on whether you’re on SSI or SSDI. With SSI, your payment may decrease. With SSDI, you must stay below SGA limits.
How much can I earn on SSDI before losing benefits?
In 2025, the limit is $1,550/month ($2,590 if blind). Anything above that may end your benefits.
Will working part-time affect my SSI payments?
Yes. Your SSI payment will reduce based on your income, but you can still work part-time and keep partial benefits.
How many hours can I work on disability?
Social Security doesn’t set strict hour limits, but income matters. Even part-time hours can disqualify you if your pay is too high.
Can I lose my SSDI if I freelance or do gig work?
Yes, gig work counts as earned income. If it pushes you above SGA, you risk losing SSDI.
Final Thoughts
If you’re asking “Will I lose my disability if I work part-time?”, the safest answer is: not automatically—but only if you stay within income limits and report everything. The rules are designed to encourage work, but they’re complex. A benefits counselor or Social Security representative can give you guidance specific to your case.
Pro Tip: Before starting any job, contact your local Social Security office or a certified benefits planner. This helps you avoid surprises and keep your safety net intact.
FAQ’s
Does Social Security check if I’m working part-time?
Yes. Employers report wages to the IRS, and Social Security cross-checks. Always report income yourself to avoid overpayments.
What happens if I make too much money on disability?
You may lose monthly payments but could still keep Medicaid/Medicare for a period. Ticket to Work may also help transition off benefits.
Do part-time jobs impact SSDI back pay?
No. Back pay is based on your disability onset date and approval process, not current part-time work.
Sources & References
- https://www.ssa.gov/ssi/text-income-ussi.htm
- https://www.ssa.gov/benefits/disability/
- https://choosework.ssa.gov/
Author Bio
Written by James Carter, an experienced content writer specializing in SEO-driven educational resources. With a background in digital media and years of research in disability rights and social policy, James helps make complex topics clear and accessible.
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