What are the income limits for disability in Illinois?
By Hogan Smith
Updated 04/29/2025
Understanding the income limits for disability benefits is essential for determining whether you qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) in Illinois. Each program has its own rules and income thresholds, and knowing where you stand can help you make an informed decision before applying.

Below is a comprehensive guide to the income limits and how they may affect your eligibility for disability benefits in Illinois.
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Income Limits for Supplemental Security Income (SSI) in Illinois
SSI is a needs-based program designed for individuals with limited income and resources. To qualify, you must meet the federal guidelines for income and asset limits.
Federal SSI Income Limits (2025):
- Individual: $967 per month
- Married couple: $1,450 per month
These limits are based on countable income, which includes wages, pensions, and support from others. However, not all income counts against you. For example:
- The first $20 of most income is excluded.
- The first $65 of earned income (and half of the rest) is also excluded.
- As of late 2024, food assistance from others is no longer counted as income, which may allow for higher benefit amounts.
Illinois does not offer a state supplement for SSI, but you still must fall within these federal limits to be eligible.
Income Limits for Social Security Disability Insurance (SSDI) in Illinois
SSDI is not based on financial need but rather on your work history and Social Security tax contributions. However, there are income restrictions in place to determine whether your disability prevents Substantial Gainful Activity (SGA).
SGA Income Limits for 2025:
- Non-blind individuals: $1,550/month
- Blind individuals: $2,590/month
If you earn more than the SGA threshold, the Social Security Administration (SSA) may determine that you are capable of substantial work and, therefore, ineligible for SSDI benefits.
Trial Work Period (TWP):
If you're already receiving SSDI and want to try returning to work, you may qualify for a Trial Work Period. During this time, you can earn more than the SGA limit without losing your benefits, for up to nine months within a 60-month rolling window.
Work and Income Considerations
Even if you’re working part-time, your income will be evaluated. The SSA considers:
- Gross monthly income
- Nature of your job duties
- Consistency of your work schedule
Always track and report your income to avoid overpayments or unintentional disqualification.
How Hogan Smith Can Help
Understanding whether your income disqualifies you from disability benefits can be confusing, especially if you have mixed sources of income or inconsistent earnings. At Hogan Smith, we assist Illinois residents by:
- Evaluating your income sources and explaining how they impact SSI or SSDI eligibility.
- Reviewing your employment status to determine if it falls within SGA limits.
- Helping you navigate SSA guidelines and exemptions that may allow you to qualify.
- Advising on work incentives and how you can test your ability to work without losing benefits.
Contact Hogan Smith Today
If you're unsure about the income limits for disability in Illinois or want help filing a claim, contact Hogan Smith today for a free consultation. We'll walk you through your options and make sure your application is built for success.
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