This is one of the most common questions that applicants ask when applying for Social Security Disability Insurance (SSDI) benefits. When you are facing medical bills and the high cost of living, it is only natural to find work and earn what you can.
To answer the question, you can work while applying for SSDI benefits. However, the Social Security Administration (SSA) has strict rules on the matter. Understanding these policies is key in maintaining your eligibility.
What is the Substantial Gainful Activity limit?
The SSA uses the Substantial Gainful Activity (SGA) limit to determine the eligibility of applicants. It acts as a benchmark for significant work earnings, which involve the physical or mental activities you engage in to receive pay. For 2026, the limits are as follows:
- Non-blind individuals: $1,690 per month
- Blind individuals: $2,380 limit per month
If you exceed this limit, the SSA can deny your claim because they can assume you can do substantial work.
Is part-time work risky?
You might think that working for a few hours a week can help you stay under the SGA threshold. However, taking some shifts can put you at risk of getting your application denied.
Since the SSA looks at the nature of your work, they can use your activities as evidence against you. Even if your earnings are low, the fact that you can perform certain tasks may contradict what you stated in your medical evidence.
Applying for SSDI benefits with caution
The SSA evaluates your work effort and income very closely during the application phase. With the long review process, you may feel the urge to work and pay the mounting bills. However, a small misstep can cost your SSDI claim.
Before you consider sending job applications, it would be helpful to seek legal advice. An attorney’s guidance can provide the clarity you need to protect your future.
