The Trial Work Period (TWP)

The Trial Work Period is designed to let you test your ability to work without immediately losing benefits.

• You can earn income for up to nine months (not necessarily consecutive) within a rolling 60-month period.
• During this time, you will continue to receive full SSDI benefits no matter how much you earn, as long as you report your work activity.
• For 2025, a month counts as a trial work month if you earn over $1,110.

Extended Period of Eligibility (EPE)

After the Trial Work Period ends, you enter the Extended Period of Eligibility (EPE).

• This phase lasts 36 months.
• You will receive benefits for any month in which your earnings fall below the Substantial Gainful Activity (SGA) limit.
• For 2025, the SGA level is $1,550 per month for non-blind individuals and $2,590 for blind individuals.

Substantial Gainful Activity (SGA) Limits

The SSA uses SGA levels to determine whether you are considered disabled while working.

• If your average monthly earnings are above the SGA limit, your SSDI benefits may stop.
• If they fall below the SGA limit, you can continue receiving benefits.

Reporting Your Work to the SSA

If you decide to work while on SSDI in Indiana, you must:

• Report your wages, hours, and any changes in your employment.
• Provide documentation such as pay stubs or employer statements.
• Keep the SSA informed to avoid overpayments or interruptions in your benefits.

Indiana-Specific Considerations

While the SSA sets the rules, Indiana residents may also qualify for state assistance programs like Medicaid or vocational rehabilitation. Working part-time may affect eligibility for these additional supports, so it’s important to review both federal and state program requirements.