10/16/2026
One of the biggest fears about returning to work is, “Will I lose my benefits as soon as I get a paycheck?”
The answer is no. Starting work does not automatically mean your disability benefits disappear.
💡 Here’s something many people don’t know: SSDI and SSI have different rules when you start working.
If you receive SSDI, you may have a Trial Work Period that allows you to test your ability to work for at least 9 months while continuing to receive your full SSDI benefit, regardless of how much you earn during those Trial Work Period months, as long as you report your work and continue to meet Social Security’s disability rules.
SSI works differently. As you earn income, Social Security generally adjusts your SSI payment based on your countable income. Work incentives may also allow Social Security to exclude certain income or disability-related work expenses when calculating your benefit.
Your health coverage may have protections, too. Medicare or Medicaid does not necessarily end just because your cash benefit changes due to work.
This is why understanding your specific benefits before returning to work is so important. The rules are not the same for everyone.
MPES can help you understand the work incentives that may apply to your situation so you can make informed decisions about returning to work.
📞 1-888-359-2366
🌐 mpes.net