SSDI and Work Restrictions in Alabama: How They Affect Eligibility

SSDI (Social Security Disability Insurance) benefits provide financial support for those who are unable to work due to disability, but work restrictions can impact eligibility. Here’s what you need to know about how SSDI and work restrictions affect eligibility in Alabama:

• Work Limitations – SSDI recipients in Alabama can work, but there are strict income limits that must be adhered to in order to maintain eligibility for benefits. If you earn more than the Substantial Gainful Activity (SGA) limit, your SSDI benefits may be reduced or stopped.
• Trial Work Period – The SSA allows recipients a Trial Work Period (TWP) to test their ability to work while still receiving full SSDI benefits. During this period, you can work and earn any amount, but it lasts for only nine months.
• Impact of Earnings – After the Trial Work Period ends, if you continue to work and earn over the SGA limit, you will be considered as engaging in substantial gainful activity, which could make you ineligible for SSDI.
• SSDI Benefits and Work Incentives – The SSA offers several work incentives that can help individuals transition back to work. These include the continued payment of benefits for a limited time and vocational rehabilitation assistance to help you find suitable work.
• Income Reporting – SSDI recipients must report any earnings to the SSA. Failing to do so can result in the suspension or termination of benefits.
• Eligibility Review – If your work earnings exceed the allowable limits for an extended period, the SSA may conduct an eligibility review to determine if you are still eligible for SSDI benefits.
• Consult a Disability Lawyer – Since SSDI and work restrictions can be complex, it’s a good idea to consult with an Alabama disability attorney who can help you understand how your earnings affect your eligibility and guide you through the process of maintaining benefits while working.

Challenges with SSDI Work Restrictions in Alabama

Understanding and adhering to work restrictions for SSDI can come with challenges. Here’s what you need to watch out for:

• Income Limits and Confusion – Many SSDI recipients struggle to understand the income thresholds that could impact their eligibility. It's important to keep track of your earnings to avoid accidental overages.
• The Trial Work Period – While the Trial Work Period can be helpful, some recipients may overestimate their ability to work and lose benefits unintentionally once the trial period ends.
• Understanding Work Incentives – The work incentives offered by the SSA can be confusing. It's essential to be fully aware of how they work, especially if you’re planning to return to the workforce.
• Missed Reporting Deadlines – Failing to report your earnings on time can lead to delays or denial of benefits. Be sure to notify the SSA immediately if your work situation changes.
• Frequent Reviews – SSDI recipients who work are subject to ongoing eligibility reviews. This process can be time-consuming and stressful, especially if you're unsure of how your earnings will affect your benefits.

How to Maintain SSDI Benefits While Working in Alabama

To maintain your SSDI benefits while working, follow these steps:



• Know the SGA Limits – Be aware of the Substantial Gainful Activity (SGA) limits for your specific situation. In 2025, the limit is $1,470 per month for non-blind individuals. For those who are blind, the limit is $2,460 per month.
• Track Earnings and Report – Keep accurate records of your earnings and report them regularly to the SSA. If your earnings go above the limit, contact the SSA immediately to avoid issues with your benefits.
• Utilize the Trial Work Period – If you're considering returning to work, use the Trial Work Period to test your ability to work without jeopardizing your benefits.
• Seek Professional Guidance – Consult with an Alabama disability attorney to make sure you understand the rules and protections available for SSDI recipients who wish to return to work.
• Understand Work Incentives – Make sure you fully understand the SSA's work incentives, such as the Ticket to Work program, which can provide resources for job training and placement.
• Stay Informed – SSDI rules and work restrictions may change, so it’s important to stay updated on new laws and regulations that could affect your eligibility.