Why Income Reporting Matters

Disability benefits are often based on your income level. If your income rises and you don’t report it, the Social Security Administration (SSA) may continue paying you more than you’re eligible for—leading to an overpayment.

For SSDI Recipients

• SSDI allows some work through the Trial Work Period and Substantial Gainful Activity (SGA) limits.
• Reporting your earnings each month is key—especially if you’re working or self-employed.
• Failing to report changes can cause the SSA to overpay you, and they’ll later ask for repayment.

For SSI Recipients

• SSI has strict income limits.
• Even small changes in income (wages, gifts, help with rent, etc.) must be reported.
• Monthly income must be reported by the 6th of the following month.

VA Disability Benefits

• VA disability compensation is not typically affected by employment income unless you’re receiving Individual Unemployability (IU).
• If you are on IU, reporting work income is required, or it could result in an overpayment.

Tips to Avoid Overpayment

• Report income changes immediately—use SSA’s online tools, phone, mail, or in-person.
• Keep records of income and any reports you submit.
• Ask questions if you’re unsure what counts as income.