1. Understand Substantial Gainful Activity (SGA)

The SSA uses the concept of Substantial Gainful Activity (SGA) to determine if your work disqualifies you from SSDI.

• In 2025, the SGA limit is $1,550 per month for most individuals and $2,590 per month for individuals who are blind.
• If you earn above this amount, the SSA may consider you no longer disabled, which can stop your benefits.

Part-time work is generally acceptable as long as your earnings stay below the SGA threshold.

2. Take Advantage of the Trial Work Period (TWP)

The SSA offers a Trial Work Period (TWP) that allows SSDI recipients to test their ability to work without losing benefits.

Key points:

• The TWP lasts for 9 months (not necessarily consecutive) within a 60-month period.
• During these months, you can earn any amount and still receive full SSDI payments.
• You must report your work activity to the SSA to maintain compliance.

After the TWP, the SSA evaluates whether you can continue working above the SGA limit through an Extended Period of Eligibility (EPE).

3. Understand How Earnings Affect Benefits

Even if you work part-time under the SGA limit, your SSDI benefits may be affected in certain situations:

• Earnings above SGA: Can lead to termination of benefits.
• Earnings within SGA: You keep your benefits, but the SSA will track your income to monitor compliance.
• Reporting Requirements: Always report your work and income to avoid overpayment issues.

Careful tracking ensures you remain eligible while testing part-time employment.

4. Benefits of Working Part-Time While on SSDI

Working part-time on SSDI in Oregon can have several advantages:

• Maintains a connection to the workforce
• Provides supplemental income without immediately losing benefits
• Builds confidence and skills for potential full-time employment
• Protects SSDI benefits during the TWP and EPE periods

It’s a way to improve financial stability and independence while still receiving disability support.

5. Risks and Considerations

Before starting part-time work, consider:

• Impact on Medicaid/Medicare: Additional income generally does not affect Medicare eligibility, but may affect Medicaid if you receive SSI alongside SSDI.
• Overpayment Risk: Failing to report earnings accurately can result in SSA overpayment, which must be repaid.
• Medical Limitations: Make sure the work is consistent with your physical or mental limitations.