Employed with Disability Benefits: Finding Balance and Confidence
Life has a way of throwing curveballs. Sometimes they come in the form of a new job, a move, or retirement plans. Other times, it’s a health challenge that changes how (and even if) you can work. For people on disability benefits, thinking about returning to work can feel intimidating. There are earnings limits, reporting requirements, and a lot of “what ifs.” On the other hand, part-time work can open doors, not just to income, but to purpose, connection, and confidence, too.
Understanding SSDI
Social Security Disability Insurance (SSDI) remains a critical support system for millions of Americans. As of July 2025, more than 7.1 million disabled workers, along with hundreds of thousands of their spouses and children, received SSDI benefits. The average monthly benefit for disabled workers is $1,582, offering essential financial stability when health challenges limit the ability to work.
SSDI also comes with specific rules: in 2025, the Social Security Administration considers earnings above $1,620 per month for non-blind beneficiaries or $2,700 for those who are blind as “substantial gainful activity,” which could impact eligibility and benefit amounts.
So what happens if you want to work part-time while keeping your benefits? Many people assume they must choose one or the other. In reality, the SSA has programs designed to make this transition smoother. The Trial Work Period (TWP) gives beneficiaries nine months (spread across 60 months) to test the waters without losing benefits. As long as earnings in a “service month” exceed $1,160 in 2025, SSDI continues.
After the TWP, the Extended Period of Eligibility (EPE) provides a 36-month safety net. During that time, SSDI payments continue for months as long as earnings remain below the SGA threshold. If earnings exceed it, benefits stop only after a two-month grace period, but can restart whenever earnings drop back down. These rules create flexibility, letting people experiment with work without immediately losing their safety net.
Beyond the Paycheck
Part-time employment isn’t just about money. It can bring structure to your days, opportunities to connect with others, and intellectual engagement that keeps your skills sharp. Many people find that work provides a sense of purpose that extends beyond the financial aspect, whether it’s contributing to household needs, mentoring others, or pursuing a role that aligns with personal interests.
Returning to work can also rebuild confidence after a health setback. Small successes at work such as meeting deadlines, learning new tasks, or collaborating with a team can reinforce self-efficacy and independence. Social connections formed on the job can reduce feelings of isolation, offering both emotional support and a renewed sense of belonging. In short, part-time work can be a powerful step toward reclaiming control over your life and your daily rhythm.
Take the Next Step
At Four Leaf Financial, we partner with individuals and families navigating life’s transitions. Our clients come with diverse circumstances and goals, but they share a common desire: to make informed choices, maintain financial security, and explore opportunities without fear.
If you’re considering work while receiving SSDI, it’s worth having a conversation with someone who understands the nuances. With planning, you can test your limits, explore new opportunities, and work to keep your financial security intact.
Life doesn’t pause because of disability or fear, but with preparation, guidance, and a clear understanding of your options, you can step into work that feels right without sacrificing the benefits you rely on. Reach out today to start the conversation.
