How do SSDI and work restrictions affect eligibility in Rhode Island?
By Hogan Smith
Updated 11/17/2025
Wondering how SSDI and work restrictions affect your eligibility in Rhode Island? You’re not the only one. Many SSDI recipients find themselves confused about how earning an income might impact their benefits while they try to stay financially stable.

The good news is that you can work and still receive SSDI benefits, but there are specific guidelines. Familiarizing yourself with the trial work period and substantial gainful activity (SGA) limits is key to making sure you don't accidentally jeopardize your eligibility.
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1. Eligibility for SSDI Recipients
- Individuals can receive SSDI benefits if they have a disability that prevents them from working and have worked long enough to earn the required Social Security credits.
- Work restrictions apply to SSDI recipients, meaning you can work but must adhere to certain earning limits and guidelines.
- The Trial Work Period (TWP) allows individuals to test their ability to work for up to 9 months without losing benefits, regardless of earnings.
2. Substantial Gainful Activity (SGA) Limits
- After completing the TWP, you cannot earn more than a set amount, known as the SGA limit, or you risk losing your SSDI benefits.
- For non-blind individuals, the 2025 SGA limit is $1,470 per month.
- Blind individuals have a higher earning limit of $2,460 per month in 2025.
3. Impact of Earnings on SSDI Eligibility
- If your earnings exceed the SGA limit after the TWP, Social Security may consider you able to work, potentially ending your SSDI benefits.
- It’s crucial to report
all earnings to the Social Security Administration (SSA) to avoid confusion or accidental overpayments.
4. Work Incentives and Continuing Benefits
- SSDI recipients who work may be eligible for additional work incentives that help you transition back to the workforce while maintaining benefits.
- These include Medicare continuation for 93 months after the TWP ends and the expedited reinstatement of benefits if your work attempt is unsuccessful.
How Hogan Smith Can Help
At Hogan Smith, we know that navigating SSDI benefits and work restrictions in Rhode Island can be complex. Our team is here to provide the support and guidance you need to maintain your eligibility and understand your rights:

- Help you understand SSDI eligibility and how work restrictions, such as the Trial Work Period and Substantial Gainful Activity (SGA) limits, impact your benefits.
- Assist in tracking and reporting earnings properly to ensure you comply with SSA requirements without jeopardizing your benefits.
- Guide you through the application and appeal process, making sure you meet all deadlines and submit accurate documentation to avoid unnecessary delays.
- Provide expert representation in case of disputes or appeals, ensuring your benefits are protected and the best possible outcome is achieved.
Contact Hogan Smith Today
If you're wondering, "How do SSDI and work restrictions affect eligibility in Rhode Island?", the team at Hogan Smith is here to help you navigate the complexities of these rules and ensure you maintain your benefits.

Contact us today for a free consultation. We’ll explain the SSDI eligibility requirements, help you understand the Trial Work Period and SGA limits, and provide expert guidance to ensure your benefits are protected.
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