Step 1: Understand SGA Income Limits in Michigan

Know how much you can earn without losing benefits:

• SGA threshold is the maximum income allowed before SSDI benefits may be affected.
• The SGA limit changes yearly and is based on whether your disability is blind or non-blind.
• In 2024, the non-blind SGA limit is around $1,470 per month.

Step 2: Utilize the Trial Work Period

This program helps you test work without losing benefits:

• TWP allows up to 9 months of work where you can earn above SGA and still keep SSDI.
• It gives you time to see if you can maintain gainful employment.

Step 3: Recognize Extended Period of Eligibility

After TWP ends, there’s a safety net:

• The 36-month extended period lets you receive benefits when earnings are below the SGA limit.
• If earnings increase later, benefits may be suspended again.

Step 4: Report Your Income Accurately

Stay compliant to avoid overpayments:

• Always report your work and income to SSA to avoid complications or penalties.
• Failure to report can lead to overpayment debts or loss of benefits.

Step 5: Consider Impact on Medicare

Working can affect related healthcare benefits:

• Your Medicare may remain active during the Trial Work Period, but changes can occur after earnings rise above limits.
• It’s important to know how your health coverage may be influenced.

Common Reasons Benefits May Be Removed

Be aware of factors leading to benefit cessation:

• Consistent earnings above the SGA limit after TWP and extended periods.
• Failure to provide requested work activity updates or medical reviews.
• Not reporting your return to work in a timely manner.