Special rules make it possible for people receiving SSDI or SSI to work and still receive medical benefits and, in some cases, monthly payments. See the List of Work Incentives table below for links to detailed descriptions of each incentive.
SSDI Work Incentives
The SSDI work incentives provide help over a period of time to allow you to test your ability to work, or to continue working. These incentives help you, gradually become self-sufficient. In general, you have at least 9 years to test your ability to work. This includes full cash payments during the first 12 months of work activity, a 36-month re-entitlement period during the extended period of eligibility, and a 5-year period in which we can start your cash benefits again without a new application (see EXPEDITED REINSTATEMENT). You may continue to have Medicare coverage during this time or even longer.
SSI Work Incentives
The SSI work incentives offer ways for you to continue receiving your SSI and Medicaid coverage while you work. Some of these incentives can increase your net income to help cover special expenses.
Once you receive SSI, your payments will continue until you recover medically, if you continue to meet the income and resource limits. If you cannot receive SSI payments because your earnings are too high, your eligibility for Medicaid may continue while you are working. In most cases, if you lose your job or are unable to continue working, you can begin receiving payments again without a new application.