How Do SSDI and Work Restrictions Affect Eligibility in Tennessee?

SSDI benefits can be crucial for individuals with disabilities, providing financial assistance to those unable to work due to a qualifying disability. However, understanding how work restrictions affect eligibility in Tennessee is essential to avoid accidentally losing benefits while returning to work.

1. Eligibility Requirements for SSDI Benefits

• You must have a disability that meets the SSA’s definition of disability and prevents you from engaging in substantial gainful activity (SGA).
• To qualify, you need to have worked long enough in jobs that paid into Social Security and earned enough work credits.
• The amount of work credits required depends on your age at the time of disability. Typically, younger workers may need fewer credits.

2. Work Restrictions and SSDI Eligibility

• SSDI recipients are allowed to work, but they must adhere to strict work restrictions to maintain their benefits.
• Substantial Gainful Activity (SGA) is a key term: If you earn more than a set monthly amount, usually around $1,470 per month (in 2025), you may be considered capable of substantial work, which could end your SSDI eligibility.
• The Social Security Administration has a trial work period allowing you to test your ability to work for up to nine months without losing SSDI benefits, regardless of how much you earn.

3. How the Trial Work Period Works

• The trial work period allows you to continue receiving SSDI benefits while you test your ability to work. Any month in which you earn more than $1,050 counts as a trial work month.
• Once the trial work period ends, if you continue to work at a level considered substantial, your benefits will stop. However, you may qualify for other assistance programs, such as Social Security's Expedited Reinstatement if you stop working due to your disability.
  

How to Report Your Work Activity

• It’s essential to report your work activity to the SSA to remain in compliance with SSDI rules. Failure to report earnings could lead to overpayments or benefit terminations.
• Report your work by calling the SSA or updating your status online through your My Social Security account.

What Happens After You Return to Work?

• Once you return to work, the SSA will monitor your earnings and work activity. If your earnings exceed the allowed limits, your SSDI benefits may be suspended or stopped.
• However, you may be eligible for continued Medicare for a period after your benefits end, which can provide important healthcare coverage as you transition back to work.

If you’re unsure about how work restrictions may impact your SSDI eligibility in Tennessee, consulting with a Social Security representative or an attorney specializing in disability law can help you navigate the process effectively.