Select a Language

Home Self-help Library Public Benefits Work and Your Social Security Retirement or Disability Benefit

Work and Your Social Security Retirement or Disability BenefitPrintE-mailPDF

Becoming disabled or retiring can mean a big change in your income. If your income is reduced that can be a real hardship. Going back to work may be an option. You can earn some extra income depending on what type of social security check you receive. This fact sheet will answer some of your questions. For more information go to:

Will I lose my Social Security disability benefits if I work and earn money?

Individuals receiving Social Security disability benefits can work and still receive monthly payments. There are some special rules.

A trial work period allows you to test your ability to work for at least nine months. The nine months do not have to be consecutive. A trial work period can last up to 5 years. During your trial work period, you will receive your full Social Security benefits regardless of how much you earn. However, you must still be disabled and you must report your earnings to SSA.

In 2012, a trial work month is any month in which:

  • your total earnings are over $720; or
  • if you are self-employed, you earn more than $720 (after expenses); or
  • you work more than 80 hours in your own business.

After your trial work period, you can work and still receive benefits for an additional 36 months. Your monthly earnings cannot be considered "substantial." In 2012, earnings over $1,010 per month ($1,690 per month if you are blind) are considered substantial. No new application or disability decision is needed for you to receive a Social Security disability benefit during this period.

How much can I earn while receiving Social Security retirement benefits?

If you work and are full retirement age or older, you may keep all of your benefits, no matter how much you earn.

If you are younger than full retirement age, there is a limit to how much you can earn and still receive full Social Security benefits. If you are under the full retirement age:

  • you can earn $14,640 a year and not lose any benefits in 2012.
  • SSA will deduct $1 in benefits for every $2 earned above $14,640.


If you are reaching full retirement age during 2012:

  • You can earn $38,880 a year and not lose any benefits in 2012.
  • SSA will deduct $1 for every $3 earned above $38,880.

The same earnings limits apply to a child or spouse who works and receives benefits on your record.


This article is meant to give you general information and not  to give you specific legal advice.
Prepared by Community Legal Aid Services, Inc. Updated April, 2012. CE-72-F227-CLAS

Viagra Online
    achat cialis bon prix veritable cialis viagra non générique livraison rapide viagra prix du cialis c20 achat levitra quebec prix viagra suisse commentaire achat cialis france prix cialis 20mg medicament cialis viagra medicament viagra prix pharmacie viagra moins cher acheter du cialis a paris achat viagra lyon
    venta viagra sin receta achat viagr kamagra bestellen viagra generika online kaufen cialis naturale funziona viagra sicher bestellen livraisonh pour le gel kamagra medicinale cialis levitra ohne rezept kaufen achat viagra sur internet acheter viagra etats-unis comparer prix viagra médicament kamagra pris viagra vendita on line cialis argo
donne viagra cialis online viagra achat forum comprare viagra internet cialis costo in farmacia italiana sildenafil citrate cialis 5mg kaufen cialis ventajas viagra express versand viagra france sans ordonnance viagra generico preço pharmacie en ligne belge levitra rezeptfrei schweiz viagra casera viagrasviagras