Social Security Disability Insurance (SSDI) benefits allow people unable to work due to a physical and/or mental condition to meet their needs. But how long do these benefits last? Can some factors cause you to no longer be eligible for them?
Here is what to know:
You will be covered as long as you are deemed disabled
SSDI benefits continue as long as you are deemed disabled, which means you can’t engage in substantial gainful activity (SGA) due to your medical condition. As of 2025, the federal government considers average earnings of $1,620 or more per month or $2,700 or more per month for employees who are blind to be substantial.
You can go through a nine-month trial work period (TWP) from the first month you are entitled to benefits or the month you file for benefits, whichever is later. During this trial, you can work and earn while still receiving SSDI benefits.
The nine-month period does not have to be consecutive. However, you have to complete it within a 60-month rolling period. You will report your work activities to the Social Security Administration (SSA).
If, after completing TWP, you do not earn a substantial income, you will begin the Extended Period of Eligibility (EPE), which lasts for 36 months to continue testing your ability to work without losing your SSDI benefits. Note that SSA will suspend cash benefits for any months you earn over the substantial level.
You will be covered until your medical condition improves
You are required to report to SSA any improvement in your medical condition or if you return to work. This ensures only individuals with a qualifying disability continue to receive benefits.
SSDI benefits can be crucial. If you are applying or your application has been denied, legal guidance can help you make informed decisions.