What are the financial limits for SSDI in Indiana?
By Hogan Smith
Updated 06/02/2025
Understanding the financial thresholds for Social Security Disability Insurance (SSDI) is crucial for Indiana residents. These limits determine eligibility and the continuation of benefits.
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Substantial Gainful Activity (SGA) Limits
The Social Security Administration (SSA) uses the concept of Substantial Gainful Activity (SGA) to assess whether an individual is considered disabled:
- 2025 SGA Limits:
- Non-Blind Individuals: $1,620 per month
- Blind Individuals: $2,700 per month
Earning above these amounts may result in the cessation of SSDI benefits.
Trial Work Period (TWP)
SSDI beneficiaries can test their ability to work without immediately losing benefits:
- Duration: 9 months (not necessarily consecutive) within a rolling 60-month period
- 2025 TWP Earnings Threshold: $1,160 per month
During the TWP, you can earn above the SGA limit and still receive full SSDI benefits.
Extended Period of Eligibility (EPE)
After completing the TWP, you enter a 36-month EPE:
- Earnings Below SGA: SSDI benefits continue
- Earnings Above SGA: Benefits may be suspended for months when earnings exceed the limit
If earnings drop below the SGA threshold during the EPE, benefits can be reinstated without a new application.
Implications for Indiana Residents
Indiana residents must be mindful of these financial limits to maintain SSDI eligibility. Regularly monitoring earnings and understanding these thresholds can help prevent unintentional loss of benefits.
How Hogan Smith Can Help
At Hogan Smith, we support Indiana residents by:
- Evaluating Work Plans: Helping you understand how employment may impact your SSDI benefits
- Monitoring Earnings: Assisting in tracking income to stay within allowable limits
- Navigating SSA Rules: Providing guidance on SSA regulations to ensure compliance
Contact Hogan Smith Today
If you're navigating SSDI benefits in Indiana and need assistance understanding financial limits, contact Hogan Smith for a free consultation. We're here to help you maintain your benefits while exploring work opportunities.
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