Did you know that returning to work doesn’t automatically mean losing your Social Security Disability Insurance (SSDI) check? Many people receiving these benefits feel ready to explore employment opportunities but worry about jeopardizing their monthly payments. Here’s the good news: with the right approach, you can keep your SSDI check while stepping back into the workforce.
In the first place, the Social Security Administration (SSA) has designed the SSDI program to support individuals who cannot work full-time due to a disability. However, improvement in your health or a flexible job option might open the door to part-time work. That’s why the SSA created specific rules allowing beneficiaries to test the waters without risking their benefits immediately.
Why understanding the trial work period is essential for all SSDI beneficiaries
The most critical part of these rules is the trial work period. This period offers nine months (which can be used consecutively or at intervals) to work, earn above a certain threshold, and still receive your full SSDI check.
For 2025, that threshold is expected to be around $1,110 gross per month. If you go over this figure, that month counts as one of your nine. It’s a practical way to see if you can maintain a job without feeling pressured to give up your disability benefits right away. To keep it simple, here’s a quick reference table:
| Year | Monthly Earnings Threshold (Approx.) |
|---|---|
| 2024 | $1,050 |
| 2025 | $1,110 |
After your nine trial work months are used up, the SSA will review your situation. If they determine you can continue working without limitations, your payments might be suspended. But don’t worry—if it turns out later that your disability prevents you from maintaining that level of employment, there’s a way back.
Important steps and resources to ensure you keep your Social Security payments active
Thinking about rejoining the workforce? Before you start a new job, be sure to contact the SSA and let them know. This prevents confusion about your earnings and helps you avoid potential overpayment. Plus, it gives you access to the Ticket to Work program, an initiative that offers training, advice, and job placement support. Do you need help updating your résumé or finding flexible positions? That’s what Ticket to Work is for.
If you discover you cannot continue working at the end of this trial period, you have a 36-month window in which you can request SSDI reinstatement without repeating the entire application process. This safety net is crucial for people whose conditions fluctuate.
In short, the system allows you to test your abilities, explore new opportunities, and still rely on SSDI while you figure out your next steps. By following the rules, staying in touch with the SSA, and leveraging the resources available, you can make the most of this phase without losing your financial support.