Applying for Social Security Disability (SSD) benefits can feel like a long, uncertain road. While you wait, you still need to survive—bills do not stop just because you filed a claim. So, it is natural to wonder if working part-time is a smart way to stay afloat or if it is a decision that might cost you your benefits.
The truth is that the Social Security Administration (SSA) does let you work while applying. But there are strict rules, and it is easy to cross a line without realizing it. Knowing where that line is can mean the difference between approval and denial.
When a few hours could cost you everything
The SSA looks at something called Substantial Gainful Activity (SGA) to decide if you are truly disabled. If you are earning over a certain amount, like $1,550 per month in 2024, you may be seen as “able to work,” even if you are struggling. This limit is lower for blind applicants, but the risk still applies.
You can protect your claim if you need to work by:
- Knowing the earnings limit. Stay under the monthly SGA amount. Even a few dollars over could be flagged.
- Keep records of everything. Save your pay stubs and write down how your condition affects you at work. If you are missing shifts, needing help or cannot perform certain tasks, document it.
- Be honest about your job duties. SSA will look at what you are doing, not just how much you make. If your part-time job shows you are handling heavy tasks, it might raise red flags.
- Talk to your doctor. Have open conversations about what you are doing. Their support and written opinion matter a lot during a review.
- Get legal help early. A disability claims legal team can help you stay within the rules while still meeting your basic needs.
Working part-time while waiting for SSD approval is not automatically a mistake, but it does come with risks.
If you need clarification on whether your job could hurt your claim, seek legal guidance to help you make the right choices.