Understanding Work and SSDI in Washington

SSDI benefits are meant for people unable to work full-time due to a disability. However, the SSA recognizes that some individuals may be able to do part-time or limited work.

This is managed under the Substantial Gainful Activity (SGA) rule, which sets monthly income limits.

• In 2025, the SGA limit is $1,550 per month (or $2,590 if blind).
• Earning more than this may disqualify you from SSDI.
• Earning less allows you to keep benefits while working.

Trial Work Period (TWP) in Washington

The SSA offers a Trial Work Period, which lets you test your ability to work without immediately losing benefits.

• You can work and earn more than the SGA limit for up to 9 months (not necessarily consecutive) within a 60-month period.
• During this time, you will still receive full SSDI benefits.
• In 2025, any month where you earn over $1,110 counts as a TWP month.

Extended Period of Eligibility (EPE)

After the Trial Work Period, you enter a 36-month Extended Period of Eligibility.

• During this time, you can still receive SSDI for any month you earn below the SGA limit.
• If you go over the limit, benefits may stop—but can restart if your income drops again.

Washington-Specific Work Incentives

Washington residents on SSDI may also qualify for:

• Ticket to Work Program – Free services to help you find a job while keeping benefits safe.
• Medicare Continuation – Even if your SSDI stops, you may keep Medicare coverage for several years.