Can I Work When Applying for Disability?

Yes, you can work while applying for Social Security Disability Insurance (SSDI) benefits.

If you are considering working while applying for SSDI, it is crucial to speak with Disability Boss so we can help you understand the work rules.

Contact Us to Speak about the Working While Applying

There are important considerations to keep in mind, including the following:

Substantial Gainful Activity (SGA)

The Social Security Administration (SSA) uses the concept of Substantial Gainful Activity (SGA) to determine eligibility for disability benefits. In 2024, the SGA limit is $1,470 per month for non-blind individuals and $2,460 per month for blind individuals. If your earnings exceed these amounts, the SSA may determine that you are not disabled because you are engaging in SGA.

Impact on the Application

Application Approval: If you are earning above the SGA level when you apply, it may be more challenging to prove that your condition is severe enough to prevent you from working. However, if your earnings are below the SGA level, you may still qualify for benefits.

Part-Time or Lower-Paying Jobs: Working part-time or in a job with lower earnings might not necessarily disqualify you from receiving SSDI benefits, especially if your work is limited due to your disability.

Special Situations

Unsuccessful Work Attempt: If you try to work but are unable to continue because of your disability, this may be considered an unsuccessful work attempt and might not affect your eligibility for SSDI.

Protected Work Situations: If you are working in a protected environment (such as a sheltered workshop), the SSA may consider factors other than earnings, such as the level of supervision or accommodations provided.

Trial Work Period

Once approved for SSDI, you are entitled to a Trial Work Period (TWP), during which you can test your ability to work without losing benefits. During this period, there are no earnings limits, but the work must be reported to the SSA.