SSDI and Work

If you’re on SSDI benefits, it’s because your disability prevents you from going to work and earning enough to cover your expenses. However, a lot of people on SSDI benefits want to give work a chance. They think that maybe if they just had a bit of time and knew that they wouldn’t lose their benefits, they could succeed at a job.

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That’s why the Social Security Administration (SSA) has made program rules and incentives that can help you do so without having to worry that you’ll lose the benefits you need. For most people who get SSDI benefits, these work incentives function like a 3-stage process that begins when you get a job:

  1. The Trial Work Period lets you work and get benefits at the same time, no matter how much you make.
  2. When the Trial Work Period ends, the 3-year Extended Period of Eligibility (EPE) lets you work and get benefits for every month that you earn less than the Substantial Gainful Activity (SGA) level ($1,220 in 2019).
  3. For the first 5 years after your EPE ends, Expedited Reinstatement means that if your income drops below the SGA level, you can quickly get back on SSDI benefits without having to completely re-apply.

These 3 incentives mean that you can get a job and see how it goes. If it goes well, you’ll be in a better financial situation than before. If it doesn’t go well, you will be able to get SSDI benefits and be in the same situation as you were before you tried out working.

Here we’ll explain the Trial Work Period, Extended Period of Eligibility, and Expedited Reinstatement in more detail. See DB101's SSDI Work Rules FocusPopup Link for a detailed example of how the SSDI work rules work.

Note: If you are in Social Security’s Promoting Opportunity Demonstration (POD) project, your SSDI work rules may be different from those described here. If you were in POD, you'd know. For more information, visit Social Security's POD website.