{"id":292371,"date":"2026-10-20T12:00:00","date_gmt":"2026-10-20T16:00:00","guid":{"rendered":"https:\/\/tododisca.es\/en\/?p=292371"},"modified":"2026-10-20T12:00:00","modified_gmt":"2026-10-20T16:00:00","slug":"ssdi-trial-work-period-2027-1270-extended-eligibility","status":"publish","type":"post","link":"https:\/\/tododisca.es\/en\/ssdi-trial-work-period-2027-1270-extended-eligibility\/","title":{"rendered":"SSDI beneficiaries who return to work in 2027: the trial work month rises to $1,270 and the protections that follow"},"content":{"rendered":"<p><strong>Social Security Disability Insurance (SSDI)<\/strong> beneficiaries who want to return to work have a series of protections that allow them to try without immediately losing their benefit. In 2027, the <strong>Social Security Administration (SSA)<\/strong> will consider any month with earnings above <strong>$1,270<\/strong> as a <strong>trial work month<\/strong>, compared with $1,210 in 2026.<\/p>\n<h2>How the trial work period works<\/h2>\n<p>An SSDI beneficiary has <strong>nine trial work months<\/strong> within a rolling period of <strong>60 months<\/strong>. During those months they receive their full benefit, no matter how much they earn. The months do not need to be consecutive.<\/p>\n<ul>\n<li><strong>Trial work month in 2026<\/strong> | earnings above $1,210.<\/li>\n<li><strong>Trial work month in 2027<\/strong> | earnings above $1,270.<\/li>\n<li><strong>Self-employed workers<\/strong> | also count months in which they work more than 80 hours.<\/li>\n<\/ul>\n<h2>What happens after the nine months<\/h2>\n<p>When the trial period ends, the <strong>extended period of eligibility<\/strong> begins, which lasts <strong>36 months<\/strong>. During that time, the beneficiary receives the benefit in the months in which their earnings are below the SGA limit, and does not receive it in the months in which they exceed it. In 2027, that limit will be <strong>$1,770 a month<\/strong>, or $2,950 for blind beneficiaries.<\/p>\n<p>The SSA pays a grace period of three months after the first month of substantial work. After the 36 months, if the beneficiary continues earning above SGA, the benefit ends, but they can ask for <strong>expedited reinstatement<\/strong> within five years if the condition prevents them from working again.<\/p>\n<h2>Medicare continues<\/h2>\n<p>One of the most important protections is health coverage. Beneficiaries who return to work can keep <strong>Medicare<\/strong> for at least 93 months after the trial work period ends.<\/p>\n<p>We explained the 2026 rules in our article on <a href=\"https:\/\/tododisca.es\/en\/ssdi-trial-work-period-2026-1210-threshold\/\">the $1,210 trial work threshold<\/a>. The new limits are part of the changes announced with the 3.6% COLA, which raises the average SSDI check to <a href=\"https:\/\/tododisca.es\/en\/ssdi-2027-cola-average-1701-sga-1770\/\">$1,701<\/a>. Blind beneficiaries have their own rules, detailed in our article on <a href=\"https:\/\/tododisca.es\/en\/blind-beneficiaries-sga-2950-2027-ssdi\/\">the $2,950 limit<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In 2027 a trial work month is any month with earnings over $1,270. How the nine-month trial period and the 36-month extended eligibility work.<\/p>\n","protected":false},"author":1,"featured_media":292372,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[12,11,5],"class_list":["post-292371","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-cola","tag-disability-benefits","tag-ssdi"],"_links":{"self":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/comments?post=292371"}],"version-history":[{"count":1,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292371\/revisions"}],"predecessor-version":[{"id":292373,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/posts\/292371\/revisions\/292373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/media\/292372"}],"wp:attachment":[{"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/media?parent=292371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/categories?post=292371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tododisca.es\/en\/wp-json\/wp\/v2\/tags?post=292371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}