SSDI Changes in 2026: What You Need to Know

Most people don’t realize that SSDI rules update every year — and even small changes can make a difference. Here’s a breakdown of what’s happening in 2026 and why it matters.

Higher Substantial Gainful Activity (SGA) Limits

The SGA limit is the amount you can earn before SSDI benefits are affected.
• 2025: $1,620/month
• 2026: $1,690/month

Even if you’re working while disabled, how much you earn and how consistently you work matters for eligibility.

Trial Work Period (TWP) Thresholds Increase

A Trial Work Period lets you test your ability to work without immediately losing benefits. The monthly TWP threshold is rising:
• 2025: $1,160/month
• 2026: $1,210/month

This means that months where your earnings are below this threshold still count toward your trial work months.

Cost-of-Living Adjustments (COLA)

Monthly SSDI benefits are going up to keep pace with inflation:
• Average benefit: $1,586 → $1,630/month
• Maximum benefit (without dependents): $4,018 → $4,152/month
• Average family benefit: $2,857 → $2,937/month

Even modest increases help recipients maintain purchasing power, especially for those on fixed incomes.

What hasn’t changed

SSDI is still about your ability to work, not just your diagnosis. These numeric updates don’t change the fundamental rules, but they do affect planning, income, and benefit calculations.

Why this matters

Timing matters. Decisions made before 2026 — like whether to attempt work, plan income, or apply for SSDI — can impact your eligibility and financial security. Understanding these updates helps you make informed choices, avoid overpayments, and stay in control of your benefits.