By Chris Sharry on January 1st, 2026 in Disability Claims
The holiday season often brings temporary job opportunities, from retail and delivery work to short-term seasonal positions. For individuals receiving Social Security Disability Insurance (SSDI) or waiting for a decision on a pending claim, these opportunities can raise serious concerns. Many people wonder whether earning extra income during the holidays could jeopardize their benefits. In Massachusetts, understanding how seasonal work interacts with SSDI rules is critical, and Attorney Chris Sharry regularly helps claimants avoid costly mistakes during this time of year.
Does Working During the Holidays Automatically Disqualify You From SSDI?
Not necessarily. SSDI allows for limited work activity, but strict rules apply. The Social Security Administration (SSA) evaluates whether earnings rise to the level of substantial gainful activity (SGA). If income exceeds monthly SGA limits, SSA may determine that the individual is capable of working, which can lead to a denial or termination of benefits. Even short-term or part-time holiday work can raise red flags if earnings are too high.
Can Seasonal Work Hurt a Pending SSDI Application?
Yes, it can. When an SSDI claim is pending, any work activity may be closely examined. SSA may view employment as evidence that the applicant is capable of sustaining work, even if the job is temporary or ends quickly. This is particularly risky during the holidays, when claimants may underestimate how their work will be perceived. Even unsuccessful work attempts must be carefully documented to avoid misunderstandings.
How Do Trial Work Periods Factor Into Holiday Employment?
For individuals already approved for SSDI, a trial work period allows limited testing of the ability to work without immediately losing benefits. However, not all work qualifies, and earnings thresholds still apply. Many beneficiaries mistakenly believe they can work freely during the holidays without consequences. Missteps during a trial work period can trigger benefit reviews or lead to unexpected suspensions if rules are misunderstood.
Why Short-Term Work Can Create Long-Term Problems
SSA does not only look at income. It also considers the nature of the work, consistency, and physical or mental demands. A holiday job may later be cited as evidence that the claimant can return to the workforce full time. This is especially problematic for individuals with conditions that fluctuate or worsen under stress. Seasonal work that appears manageable for a few weeks may still undermine a claim if not handled properly.
What Should Claimants Consider Before Taking Holiday Work?
Before accepting seasonal employment, individuals should understand how SSDI work limits apply to their situation. Factors such as hours worked, earnings, accommodations, and whether the work attempt was successful all matter. Claimants should also ensure that all work activity is accurately reported to SSA, as failure to do so can result in overpayments or allegations of misrepresentation.
How Can Legal Guidance Help Protect SSDI Benefits?
Because SSDI rules are complex and unforgiving, professional guidance can be critical—especially during the holidays. What seems like harmless short-term income can have lasting consequences for benefits. Proper planning and documentation can help protect eligibility while avoiding unnecessary financial risk.
For individuals concerned about seasonal work and SSDI benefits, Attorney Chris Sharry can help evaluate how holiday employment may affect a current claim or existing benefits. With informed guidance, claimants can make decisions that protect their financial stability while avoiding unintended consequences during the holiday season.
