Retirement & Financial Planning Report

A trial work period (TWP) allows Social Security disability beneficiaries to test their ability to work for at least nine months. During that period, these beneficiaries may earn any amount and receive full Social Security disability benefits.


Previously, beneficiaries earnings as little as $200 in a month were considered to be in the TWP. A new rule increases that amount to $530 per month and links annual changes to increases in the national average wage index.


After completion of nine trial work months, a substantial gainful amount (SGA) level is used to determine whether earnings are substantial or not. If earnings fall below the SGA level (now $740 per month), full benefits generally continue. If earnings are higher than the SGA level, cash benefits are normally suspended while medical benefits continue.