Why Reporting Income Changes Matters

The SSA monitors your income because SSDI is based on your ability to engage in Substantial Gainful Activity (SGA). If your earnings exceed the monthly SGA limit, you could risk losing your benefits.

Failing to report income changes can lead to:

• Overpayments you may be required to pay back
• Benefit suspension or termination
• Legal consequences for knowingly withholding information

Types of Income You Must Report

In New Mexico, SSDI recipients must report any change in:

• Wages from employment (full-time or part-time)
• Self-employment income
• Bonuses, commissions, or tips
• Other earned income, even if temporary or seasonal

Even volunteer work or unpaid activity that might indicate you’re capable of working could affect your case.

When to Report a Change in Income

You must report any changes as soon as possible—preferably within 10 days after the end of the month when the change occurred. Prompt reporting helps the SSA adjust your benefits quickly and avoids penalties.

How to Report Income Changes

Here’s how you can report a change in income to the SSA while living in New Mexico:

1. Online via Your SSA Account

• Visit www.ssa.gov/myaccount
• Log in or create an account
• Use the “Report Wages” or “Update Information” feature

2. By Phone

• Call the SSA at 1-800-772-1213 (TTY: 1-800-325-0778)
• Ask to speak with a representative about reporting income changes

3. Local SSA Office

• Visit your nearest Social Security office in New Mexico
• Bring documentation like pay stubs or self-employment records

4. Through the SSI Mobile Wage Reporting App

If you receive both SSDI and SSI, you may be eligible to report earnings through the SSA Mobile Wage Reporting app.

Tips for Smooth Reporting

• Keep accurate records of your income and hours worked
• Report even minor changes to avoid errors
• Ask for confirmation of your report in writing or online
• Continue to report income monthly if you're working while receiving SSDI