When you’re receiving Social Security Disability Insurance (SSDI), working part-time isn’t off-limits, but it comes with rules that you need to follow. You want to bring in some income without crossing the line where your benefits stop. In Michigan, those limits aren’t set by the state. They’re based on federal law, which applies the same whether you live in Detroit, Grand Rapids or anywhere else. So before you pick up those extra hours, here’s what you need to know.
How much can you work without losing SSDI benefits?
Social Security uses an income limit called Substantial Gainful Activity (SGA) to decide if you still qualify for disability benefits. In 2025, the SGA limit is $1,620 per month if you’re not blind. As long as your gross income stays below that number, your benefits likely stay in place.
You also have access to work incentive programs that give you a little more flexibility. The trial work period lets you test working without losing benefits right away. After that, the extended period of eligibility keeps your benefits in place during months when your income dips below the limit. These programs are useful if you ease back into work, but they’re full of deadlines and income caps that you need to track carefully.
Does Michigan law add extra limits?
Michigan doesn’t add its own rules to your SSDI eligibility. Whether you work in Michigan or any other state, the income limits and reporting requirements come from the Social Security Administration. Michigan does have resources such as Michigan Rehabilitation Services, which can help you find or adjust to part-time work, but those programs won’t change the income limits that determine your SSDI eligibility.
What happens if you go over the limits?
If your income crosses the SGA limit and you don’t report it, you could face serious problems. Social Security may suspend your benefits, ask for repayment or decide that you no longer meet the definition of disabled. That’s why you need to report your work activity and income as soon as you start earning, even if you’re only working part-time. Staying ahead of the reporting keeps your benefits secure and helps you avoid unexpected cuts.
Finding your balance between work and benefits
Part-time work can help you earn income and stay active, but it’s on you to follow the income limits and protect your benefits. If you’re not sure how your job fits within the rules, take the time to learn what applies to you so you can work without risking the support you rely on.