Working on SSDI in 2026: SGA, Trial Work Period, and When Benefits Can Stop

SSDI beneficiaries can attempt to work without losing cash benefits immediately. SSA evaluates work through stages, and reporting remains required even when earnings are below a published benchmark.

Trial work period

The trial work period provides nine service months within a rolling 60-month window while disability continues. In 2026, a month generally counts when gross earnings exceed $1,210. There is no earnings ceiling on the SSDI payment during a valid trial-work month.

Extended period of eligibility

After the trial work period, a 36-month extended period of eligibility generally follows. Payments may be due for months earnings are below substantial gainful activity and suspended for months above it, provided the disability and other requirements continue.

2026 SGA amounts

In 2026, SSA lists SGA at $1,690 per month for a person who is not blind and $2,830 for a person who is statutorily blind. SSA may consider subsidies, special conditions, impairment-related work expenses, and self-employment activity rather than using gross deposits alone.

Report and document work

• Start and stop dates, employer, duties, hours, and gross pay.
• Pay stubs and changes in rate or schedule.
• Disability-related expenses needed for work.
• Subsidies, accommodations, unsuccessful work attempts, and self-employment time.

Prevent an overpayment

Review SSA’s work guidance and Red Book. Report changes promptly, keep confirmation, and do not assume an employer’s report replaces the beneficiary’s responsibility.