Going back to work on SSDI: keeping Medicare while you earn

How the trial work period, extended period of eligibility and Medicare continuation let SSDI recipients work without losing health coverage.

Many people on SSDI worry that working will cost them Medicare. Social Security's work incentives are designed to prevent that.

Trial work period

You can test your ability to work for nine months (not necessarily in a row) within a rolling 60-month window, with full SSDI benefits regardless of earnings.

Extended period of eligibility

For the next 36 months, you receive benefits for any month your earnings fall below the substantial gainful activity level.

Medicare continues

Premium-free Part A and your Part B (with the premium) can continue for at least 93 months after the trial work period ends, as long as you remain disabled under Social Security rules.

Medicare for working people with disabilities

If premium-free coverage ends because of work, you can buy Part A and Part B. States help pay the Part A premium for some people through the Qualified Disabled and Working Individuals program; see Medicare Savings Programs.

Employer coverage

If you get a job with health insurance, the size of the employer determines whether Medicare or the job plan pays first. Employers with 100 or more workers usually pay first for disability-based Medicare.

Questions people ask

Will working cost me Medicare?

Not immediately. Medicare can continue for at least 93 months after the trial work period.

What is the trial work period?

Nine months of work with full SSDI benefits.

Who pays first if I have a job plan?

A large employer plan (100+ workers) usually pays first.

Can I buy Medicare if free coverage ends?

Yes, and some people get help with the Part A premium.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.