Wondering if you can work while on Social Security Disability Insurance (SSDI) in Rhode Island? You're not alone. Many people receiving SSDI benefits ask this question as they navigate the balance between earning an income and maintaining their benefits.

The good news is that you can work while on SSDI, but there are rules and limitations. Understanding the trial work period and substantial gainful activity (SGA) guidelines is crucial to ensure you don't lose your benefits.
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1. Trial Work Period (TWP) Explained
- The Trial Work Period allows SSDI beneficiaries to test their ability to work for up to 9 months without losing benefits, even if they earn over the Substantial Gainful Activity (SGA) limit.
- During this period, you can earn any amount and still receive full SSDI benefits, but you must report your earnings to the SSA.
- After completing the TWP, you move to the Extended Period of Eligibility (EPE) if you continue working.
2. Substantial Gainful Activity (SGA) and SSDI
- SGA is the monthly income limit set by the SSA to determine whether you can work while receiving SSDI. For 2025, the SGA limit is $1,470 per month for non-blind individuals.
- If your earnings exceed the SGA limit, your SSDI benefits could stop, though some exceptions may apply, such as if you're still in the Trial Work Period.
- Make sure to track and report your monthly earnings to avoid any issues with your benefits.
3. Work Incentives Programs in Rhode Island
- Rhode Island offers various work incentives to help SSDI recipients return to work without immediately losing their benefits.
- Programs like Ticket to Work provide vocational services, training, and job support to assist you in transitioning to full-time employment.
- You may also be eligible for programs that provide temporary financial support, allowing you to gradually adjust to your new work situation.
4. How Earnings Affect Your SSDI Benefits
- After the Trial Work Period, if your earnings consistently exceed the SGA limit, your SSDI benefits may be discontinued, but you can reapply if your condition worsens.
- If your income is below the SGA threshold, you can continue receiving SSDI benefits, even if you are still working.
- Always keep the SSA informed of your earnings, as failure to report can result in overpayments and require you to repay benefits.
How Hogan Smith Can Help
At Hogan Smith, we know how challenging it can be to navigate the complexities of working while on SSDI in Rhode Island. Our team is committed to providing the support and guidance you need to ensure you understand your rights and options:

- Assess your work situation and determine if you qualify for the Trial Work Period or other work incentives, ensuring you don’t lose your benefits prematurely.
- Guide you through the SSDI work rules, helping you understand the Substantial Gainful Activity limit and how it applies to your income and work.
- Assist in reporting your earnings to the SSA and ensuring you remain in compliance with all requirements to avoid penalties or overpayments.
- Represent you in discussions with the SSA, advocating on your behalf to ensure your work efforts are properly recognized and do not jeopardize your benefits.
Contact Hogan Smith Today
If you're asking, "Can you work while on SSDI in Rhode Island?", the team at Hogan Smith is here to help you understand your rights and ensure you’re following the rules while protecting your benefits.

Reach out to us today for a free consultation. We’ll assess your situation, explain how the Trial Work Period and SGA limits work, and provide expert guidance to help you navigate the complexities of working while receiving SSDI benefits.
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