Can I Work While Waiting for Disability? | What SSA Allows
Can I Work While Waiting for Disability?
Many individuals facing financial hardship ask the same pressing question: can I work while waiting for disability? The Social Security Disability Insurance (SSDI) application process can take several months—or even over a year. Understandably, applicants may need to earn some income while waiting for a decision.
The short answer is yes—you can work while your SSDI claim is pending. However, the Social Security Administration (SSA) sets strict limits on how much you can earn without jeopardizing your eligibility. Working too much, even part-time, may result in your application being denied on the grounds that you’re capable of performing substantial gainful activity (SGA).
In this article, we’ll explore how the SSA evaluates work activity during the SSDI application process, income limits, and how to protect your claim while earning.
How Much Can You Earn While Waiting for SSDI Approval
SSA uses the concept of substantial gainful activity (SGA) to determine whether you are disabled under their rules. If you earn over a certain threshold, SSA may conclude that you are able to work and are therefore not eligible for SSDI.
2024 SGA Limits:
- $1,550 per month for non-blind individuals
- $2,590 per month for statutorily blind individuals
If you earn less than these amounts, SSA may still approve your claim, provided your condition meets the disability criteria and your ability to work is limited.
However, earnings above the SGA limit, even temporarily, can trigger a denial—SSA may consider you not fully disabled.
Does SSA Count Gross or Net Income?
SSA typically considers gross earnings (before taxes and deductions) when evaluating whether your work counts as substantial gainful activity. For self-employed individuals, SSA may also consider:
- Time spent working
- The value of your services
- Business income after expenses
It’s not just how much you make—it’s also whether your work activity shows the ability to perform work on a sustained basis.
Risks of Working During the SSDI Application Process
Although limited work may be allowed, there are risks to be aware of.
Perception of Ability to Work
SSA may view any work as evidence that you are capable of maintaining employment, especially if your job involves physical or cognitive tasks that contradict your claimed disability.
Inconsistency with Medical Records
If your medical documentation suggests you cannot work, but you’re currently employed (even part-time), SSA may question the credibility of your claim.
Delays or Denials Based on Earnings
Even temporary or part-time earnings above the SGA limit can lead to delays in processing—or outright denial—of your application.
Confusing Trial Work Period Rules
The Trial Work Period (TWP) only applies after your claim is approved. Many applicants mistakenly assume they are in a TWP while waiting. That is not the case. Until you are approved, any work activity will be evaluated under SGA rules.
Can I Work While Waiting for Disability? Final Thoughts
So, can I work while waiting for disability? Yes, but only within strict limits. Earning less than the SGA limit may allow you to support yourself temporarily without harming your claim. But exceeding that limit—even briefly—could cause SSA to deny your application on the grounds that you’re not fully disabled.
If you must work while waiting:
- Keep your hours and earnings minimal
- Track all wages and hours worked
- Be prepared to explain your work activity to SSA
- Ensure your medical records align with your work capacity
Get Guidance on Working Without Jeopardizing Your SSDI Claim
If you’re unsure how working may impact your disability claim, getting legal guidance is crucial. Social Security Disability connects applicants with experienced disability lawyers who can:
- Help you report income properly
- Clarify SSA rules around SGA
- Protect your claim during the approval process
Contact us today to get expert help navigating work activity while waiting for SSDI benefits. Don’t risk your eligibility or back pay due to a technical mistake.
Frequently Asked Questions (FAQs)
1. What’s the maximum I can earn while waiting for SSDI?
In 2024, the SGA limit is $1,550 per month (non-blind). Earnings above this may result in a denial.
2. Will SSA deny my claim automatically if I work?
Not necessarily. If your earnings are below SGA and your condition meets SSA’s criteria, your claim may still be approved.
3. Can I volunteer or do unpaid work?
Yes, but SSA may still evaluate unpaid work to see if it shows you’re capable of substantial activity. Be cautious with physically or mentally demanding roles.
4. Does self-employment count as work?
Yes. SSA examines your net income, time spent working, and the value of your services when reviewing self-employment.
5. Should I tell SSA I’m working while applying?
Yes. Always report your work activity honestly. Failure to report can result in delays, denials, or penalties.
Key Takeaways
- You may work while waiting for SSDI, but income must stay below the SGA threshold.
- In 2024, the SGA limit is $1,550/month for most applicants.
- Exceeding income limits can result in denial—even for part-time work.
- Always report your work activity to SSA and keep detailed records.
- Legal Brand Marketing connects you with lawyers who can help you work within the rules without losing benefits.
