Yes, a disabled adult child can work and potentially keep their benefits. The Social Security Administration (SSA) has programs that allow beneficiaries to explore employment options without immediately losing their support.
Before diving in, it’s important to understand a term called Substantial Gainful Activity (SGA). This is the amount of money you can earn before the SSA considers you capable of supporting yourself without benefits. In 2025, the SGA limit is $1,620 per month for non-blind individuals and $2,700 for blind individuals. But don’t worry – even if you earn this much, there are still ways to keep your benefits.
The Trial Work Period
The Trial Work Period (TWP) is like a safety net for those wanting to try working. Here’s how it works:
- You get 9 months to work and earn any amount without losing your benefits.
- These 9 months don’t have to be consecutive.
- In 2025, any month you earn more than $1,160 counts as one of your TWP months.
During this period, you keep your full Social Security disability benefits – except SSI benefits – regardless of how much you earn.
The Extended Period of Eligibility
After your Trial Work Period, you enter the Extended Period of Eligibility (EPE). This 36-month period offers more options:
- If you earn less than the SGA amount, you’ll continue to receive benefits.
- If you earn more than the SGA amount, your benefits will pause, not end.
- If your earnings fall below SGA during this time, your benefits can restart without a new application.
It’s crucial to keep the SSA updated about your work situation during this period. This helps avoid future complications. Be sure to report when you start or stop a job, as well as any changes in your work hours, duties or pay. It’s also important to inform them of any work-related expenses due to your disability.
Ensure you’re making informed choices
While working can open new doors, it’s important to understand how it might affect your benefits. It may be helpful to consult with an attorney who can provide clarity and address your specific concerns.