If you’re receiving Supplemental Security Income (SSI) and are thinking about working without losing your benefits, the Ticket to Work program might be the perfect solution. In 2025, the maximum SSI payment is $967 a month, thanks to cost-of-living adjustments (COLA).
This program offers a path for individuals receiving SSI to work, gain independence, and explore career opportunities without worrying about immediately losing their benefits.
Let’s break it down so it’s easy to understand for anyone—whether you’re a student, a working professional, or a caregiver.
Up to $967 in SSI Payments
Maximum SSI Payment (2025): $967/month for individuals.
Eligibility: Aged 18–64 and receiving SSI or SSDI.
Cost of Program: Free and voluntary.
Main Benefits: Job support, career planning, trial work period, protection from medical reviews.
Official Website: choosework.ssa.gov.
The Ticket to Work program helps people who receive up to $967 in SSI payments explore employment opportunities and move toward financial independence. Instead of seeing SSI as a limit, the program helps you use it as a foundation to build a brighter future.
What Is the Ticket to Work Program?
The Ticket to Work program is a free and voluntary initiative from the Social Security Administration (SSA). It’s designed for individuals who receive SSI or SSDI and want to work but need extra support along the way.
Once you sign up, you receive a “ticket” that you can use with an Employment Network (EN) or State Vocational Rehabilitation (VR) agency. These groups provide the help you need to:
Plan your career path.
Learn or improve job skills.
Get training or education.
Find a suitable job.
Keep your job with ongoing support.
It’s like having a career coach who supports you through every step of your work journey.
Real-Life Example:
Jasmine, 32, was receiving SSI due to a chronic illness. She always dreamed of becoming a graphic designer but was afraid of losing her benefits. Through Ticket to Work, she worked with an EN to build her portfolio, landed a remote job, and is now thriving—all while still receiving SSI during her trial work period.
Jasmine even started freelancing and built a small business with continued support.
How Much Can You Get with SSI in 2025?
Thanks to the 2.5% Cost-of-Living Adjustment (COLA), the maximum monthly SSI benefit in 2025 is $967 for individuals. Eligible couples can receive $1,451. These updates ensure that SSI payments keep up with inflation and rising costs of living.
In some states, SSI payments may be higher because of additional state-funded benefits.
How Ticket to Work Helps You Keep SSI While Working
You can work and still keep your SSI payments thanks to built-in protections and support provided by the Ticket to Work program.
Key Support Features:
- Trial Work Period (TWP):
This lets you test your ability to work without losing SSI for at least nine months. You can earn as much as you want, and your SSI payments will continue. - Extended Period of Eligibility (EPE):
After the TWP, you move into a 36-month window. During this time, you’ll still receive SSI if your income is below the Substantial Gainful Activity (SGA) level. For 2025, the SGA level is:- $1,590/month for non-blind individuals.
- $2,590/month for blind individuals.
- Protection from Medical Reviews:
While working and making progress, you are protected from Continuing Disability Reviews (CDRs). This means Social Security won’t review your disability status while you’re participating in Ticket to Work. - Access to Free Employment Services:
The program offers:- Career counseling.
- Job coaching.
- Resume building and interview help.
- Referrals for training programs.
- On-the-job support.
- Financial literacy and benefits planning.
These services are designed to help you gain confidence and work toward long-term independence.
How to Join the Ticket to Work Program
If you’re ready to get started, follow these simple steps:
- Check Your Eligibility:
You must be:- Between 18 and 64 years old.
- Receiving SSI or SSDI.
- Interested in working or returning to work.
- Visit the Official Program Website:
Go to choosework.ssa.gov to access tools, FAQs, and videos about the program. - Find a Service Provider:
Use the “Find Help” tool to locate an Employment Network (EN) or State Vocational Rehabilitation (VR) agency. - Develop an Individual Work Plan (IWP):
Your chosen EN or VR agency will help you create a personalized work plan based on your strengths and goals. - Start Working and Report Income:
Once you start working, you must report your income to the SSA each month. This ensures you’re getting the right benefits and using all the work incentives available to you.
Tips for Making the Most of the Program
To maximize your success with Ticket to Work, consider these strategies:
Start Part-Time: Begin with part-time work to ease into it and build confidence.
Stay in Touch: Keep in regular contact with your EN or VR team.
Use Benefits Counseling: Get advice on how your earnings will impact your benefits.
Track Your Progress: Keep records of your income, milestones, and communications with SSA.
Explore Remote Work: Many Ticket to Work participants find flexibility and success in work-from-home roles.
The Ticket to Work program is a valuable tool for individuals receiving up to $967 in SSI payments to explore career opportunities, build financial independence, and gain the support they need. By taking advantage of the program, you can work and keep your SSI, moving closer to your goals without the fear of losing benefits.
