Can I Work While on SSDI in Kentucky?
2/8/2026 | 1 min read
Can I Work While on SSDI in Kentucky?
Understanding the Basics of SSDI in Kentucky
Social Security Disability Insurance (SSDI) is a federal program that provides benefits to individuals who have a severe, long-term disability that prevents them from working. In Kentucky, the Social Security Administration (SSA) administers this program, which is designed to provide financial assistance to those who qualify.
Can I Work While Receiving SSDI Benefits?
The short answer is yes, you can work while receiving SSDI benefits in Kentucky, but there are specific rules and limitations you must follow. The SSA wants to encourage SSDI recipients to return to work, but it also wants to ensure that those who truly need the benefits continue to receive them.
The Trial Work Period (TWP)
The Trial Work Period (TWP) is a program that allows SSDI recipients in Kentucky to test their ability to work for at least nine months without losing their benefits. During the TWP, you can earn any amount of income without it affecting your SSDI payments. However, once you have completed the nine-month TWP, the SSA will evaluate your earnings to determine if you are engaging in "substantial gainful activity" (SGA).
Substantial Gainful Activity (SGA)
Substantial Gainful Activity (SGA) is the level of work activity and earnings that the SSA considers to be the ability to engage in meaningful work. In 2023, the SGA limit for non-blind individuals is $1,470 per month. If your earnings exceed this amount, the SSA may determine that you are no longer disabled and can no longer receive SSDI benefits.
Exceptions and Special Rules
There are a few exceptions and special rules that may apply to individuals receiving SSDI in Kentucky:
- Impairment-Related Work Expenses (IRWE): Certain expenses you incur to enable you to work, such as specialized equipment or transportation costs, may be deducted from your gross earnings when determining if you have engaged in SGA.
- Expedited Reinstatement: If you lose your SSDI benefits due to work activity, you may be able to have your benefits reinstated quickly if you become unable to work again within five years.
- Continued Medicaid Eligibility: Even if your SSDI benefits are terminated due to work activity, you may still be eligible for Medicaid coverage in Kentucky, which can help you maintain access to necessary medical care.
Strategies for Working While Receiving SSDI
If you are receiving SSDI benefits in Kentucky and are considering returning to work, there are a few strategies you may want to consider:
- Utilize the Trial Work Period: Take advantage of the Trial Work Period to test your ability to work without immediately jeopardizing your SSDI benefits.
- Manage Your Earnings: Be mindful of the SGA limit and consider ways to keep your earnings below that threshold, such as by working part-time or engaging in self-employment.
- Seek Guidance from the SSA: Consult with the SSA or a qualified disability attorney to understand your specific rights and obligations when it comes to working while receiving SSDI benefits in Kentucky.
Need Help? If you have questions about your case, call or text 833-657-4812 for a free consultation with an experienced attorney.
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