1. How Income Affects SSDI Eligibility

SSDI is designed for people who have paid into the Social Security system and are unable to work at a substantial gainful activity (SGA) level. The SSA sets a national SGA limit each year:

• In 2025, the limit is $1,550 per month for non-blind individuals and $2,590 per month for blind individuals.

If your countable income is above these limits, you may not qualify for SSDI benefits.

2. Income That Counts Toward SSDI Eligibility

Only earned income generally affects your eligibility, which includes:

• Wages or salary from employment.
• Self-employment income, including freelance or contract work.
• Bonuses, commissions, or tips.
• In-kind earnings, such as free housing or meals provided by your employer.

This type of income demonstrates that you’re engaging in substantial work activity, which can disqualify you from receiving SSDI benefits.

3. Income That Does Not Affect SSDI Eligibility

Certain types of income are not counted toward the SGA limit. These include:

• Investment income, such as dividends, interest, or rental property profits.
• Spousal income or household earnings.
• Veterans benefits or workers’ compensation.
• Gifts, inheritances, or financial support from family.
• Pension or retirement benefits (these may affect other benefits but not SSDI eligibility directly).

In short, only income you earn through active work affects your SSDI eligibility in Missouri.

4. Understanding the Trial Work Period (TWP)

If you already receive SSDI and want to try returning to work, the SSA offers a Trial Work Period. During this time, you can test your ability to work without immediately losing your benefits.

In 2025, any month where you earn more than $1,110 counts as a trial work month. You’re allowed nine trial work months within a 60-month window. After that, the SSA re-evaluates your eligibility based on the SGA limits.

5. Reporting Income to the SSA

To avoid overpayment or penalties, report any change in your income promptly. You can do this by:

• Logging into your mySocialSecurity account online.
• Calling or visiting your local Missouri SSA office.
• Submitting proof of earnings (pay stubs, tax returns, etc.).

Being transparent about your income helps prevent interruptions or delays in your SSDI benefits.