Understanding SSDI and Work Rules

SSDI is designed for individuals who are unable to engage in substantial work due to a disability. However, the SSA recognizes that some people may attempt to return to work in a limited capacity. To support this, the SSA offers programs that allow beneficiaries to test their ability to work without immediately ending their benefits.

The Trial Work Period (TWP)

The Trial Work Period is a safety net provided by the SSA that lets SSDI recipients try working without losing benefits right away.

• You can work for up to 9 months (not necessarily consecutive) while still receiving full SSDI benefits
• Any month in which you earn more than $1,110 (as of 2025) counts toward the TWP
• After the 9 trial months, your case is reviewed to determine if you’re still eligible for SSDI

This program gives you the freedom to test your work capacity without fear of losing your support right away.

The Extended Period of Eligibility (EPE)

Once the TWP ends, you enter the Extended Period of Eligibility, which lasts for 36 months.

• During this time, you can still receive SSDI in any month your earnings fall below the Substantial Gainful Activity (SGA) limit
• In 2025, the SGA limit is $1,550 per month for non-blind individuals, and $2,590 for those who are blind

If you exceed the SGA amount, your benefits may be suspended — but they can be reinstated if your earnings drop again during the EPE.

Reporting Requirements

If you choose to work while on SSDI in Wisconsin, you must report:

• Your earnings each month
• Any changes to your job status, duties, or hours
• Start and stop dates of employment

Failing to report this information could result in overpayment or termination of benefits.

Wisconsin-Specific Support Programs

In Wisconsin, there are also work incentive planning services available to help individuals on SSDI understand how employment will affect their benefits. Programs like Wisconsin Work Incentives Benefit Specialists can guide you through the process.