Returning to work while on SSDI is often the path to greater independence and financial security. In 2025, a robust set of programs helps you refresh skills, explore new fields, and re-enter the labor market with confidence. Here’s a practical roadmap to leverage training opportunities, connect with vocational resources, and navigate the work incentives designed to protect benefits during transitions.
Why work incentives matter:
- Trial Work Period (TWP) and extended earnings: The TWP allows you to test your ability to work for up to nine months within a rolling 60-month period without losing benefits. After the TWP, you may remain eligible for benefits while earning income, depending on your earnings.
- Substantial gainful activity (SGA): SSDI uses SGA thresholds to determine ongoing eligibility. Earning above the SGA while on SSDI can affect benefits, but there are protections and wiggle room during a work trial.
- Impairment-related work expenses (IRWE): You can deduct work-related expenses that help you work, such as transportation, specialized equipment, or training, which can reduce your countable income.
Accessing training and retraining:
- Vocational Rehabilitation (VR) services: Guided by state agencies, VR programs offer career counseling, skills assessments, training opportunities, and job placement support. If you’re not sure where to start, your local VR office can be a strong ally.
- Community college and workforce development: Many community colleges offer low-cost or free training in high-demand fields. Look for short-term certificates, IT fundamentals, healthcare support roles, and apprenticeships.
- Online and nonprofit options: Reputable nonprofits and platforms offer affordable upskilling courses, with flexible schedules that accommodate SSDI beneficiaries.
Land on a practical plan:
- Assess interests and transferable skills: List strengths, previous jobs, and what you’d enjoy doing.
- Identify target industries: Healthcare support, IT, administrative services, and trades often have accessible pathways.
- Choose a training path: Short-term certificate, bootcamp style programs, or VR-supported training.
- Plan finances: Budget for training expenses, potential IRWEs, and any changes in SSDI benefits during the transition.
- Engage with support networks: Talk to your SSA worker, VR counselor, and local disability services to coordinate benefits and training.
Real-world tips:
- Involve your SSA representative/disability attorney early: They can explain how your training and work plan affect benefits and what documentation you’ll need.
- Keep detailed records: Track training dates, costs, outcomes, and any hours you work. This helps in case of inquiries or audits.
- Balance pace and sustainability: Lastly, choose a plan that matches your energy levels and health status; gradual progress often yields durable results.
If you’re unsure how to proceed to win your SSDI you can always get expert help from our disability attorneys at Law Office of Irene Ruzin for a smooth, stress-free process to winning & keeping your SSDI benefits.
