If you’re struggling with a medical condition but still trying to earn a paycheck, you might be wondering: Can you file for disability while working? The short answer is yes, but there are limits.
Many people delay applying for Social Security Disability (SSD) because they think they must stop working completely. However, that’s not always true.
There is a way to balance work while applying for benefits. Sometimes, disabled workers have to wait months for an answer regarding their claim. Making ends meet during this period can be impossible without some form of income.
If you’re concerned about losing a claim just by trying to stay afloat, continue reading to learn more. We also invite you to contact our law firm to schedule a free consultation. At Grundy Disability Group, we help clients understand the intricacies of SSD and file successful claims.
How Can You File for Social Security Disability Benefits While Working?
You can file for disability while working, but your work activity must fall below certain limits set by the Social Security Administration (SSA). This is known as Substantial Gainful Activity (SGA).
Whether or not you’re performing SGA is one of the first things the SSA checks when evaluating a disability claim. In 2025, the SGA income limit is $1,620 per month. If you’re earning more, the SSA may consider that you’re able to work and deny your claim. However, if you’re earning under these limits, you may still qualify for disability.
How Many Hours Can You Work on Disability?
The SSA doesn’t just look at how many hours you work— they care more about how much you earn. That said, working fewer hours typically means lower income, which can help keep you under the SGA limit.
Here are some general guidelines:
- If you work low hours and earn under $1,620/month, you’re less likely to get denied just because you’re working.
- If you earn more than that, the SSA will likely say you’re capable of “substantial” work and deny your claim.
Keep in mind: Even if you’re working part-time and earning less than the monthly SGA limit, Social Security may still use your work as proof that you could do more. This is especially true if the type of work you’re doing suggests you’re capable of full-time activity.
If you’re self-employed, the rules are a bit different. Instead of just looking at your income, the SSA will look at how much effort you’re putting into your business. Even if you make very little money, they may decide your work is “substantial” if it’s similar to what others do in that role without a disability.
Always talk to an experienced disability attorney to understand your unique situation. Contact Grundy Disability Group now to schedule a free consultation.
SSDI and Working: What You Need to Know
Social Security Disability Insurance (SSDI) is the disability benefit program available to disabled workers who have paid into Social Security. People become eligible by working and earning Social Security credits throughout their lifetime.
Filing for SSDI and working at the same time can be a tricky mix. The SSA may review your job duties and earnings to decide whether you’re truly disabled.
Things they consider include:
- How physically or mentally demanding your job/type of work is
- Whether your job responsibilities have changed due to your condition
- If your employer is giving you special accommodations
Even if your monthly earnings are below the SGA limit, working while applying for disability can raise red flags. That’s why it’s wise to speak with a Social Security Disability attorney before you file.
Can You Work and Receive Disability?
If the SSA approves your disability claim, you may still be able to work and receive benefits. The Ticket to Work program and trial work periods allow you to test your ability to work without losing SSDI. These programs have time limits and earning caps, so it’s important to follow the rules carefully.
How To Support Yourself While Waiting for SSD Benefits
Waiting for your disability claim to be approved can take months or even years. During that time, you still need to pay your bills. So, what are your options if you cannot work part-time or are concerned that doing so will affect your claim?
Here are a few ways people stay afloat while waiting for SSDI or SSI:
- Short-Term Disability or FMLA (if available)
If you were working before your disability started, you may qualify for short-term disability insurance through your employer or a private policy. You may also be eligible for unpaid leave under the Family and Medical Leave Act (FMLA) to protect your job while you apply for SSD.
- Seek Local or State Assistance
Programs like SNAP (food stamps), Medicaid, or housing assistance may be available while you wait. Many states also offer general relief or temporary assistance programs.
- Ask for Help From Family or Community Support
Some people rely on family members or community programs for help. Churches, food pantries, and nonprofit organizations can sometimes fill the time gap between becoming disabled and receiving SSD.
Key Takeaways
Here’s what to remember:
- You can work while applying for disability, but you must stay under the SSA’s income limits.
- You still need to prove that you’re disabled and meet the SSA’s qualifying criteria.
- Working with a skilled disability lawyer is one of the best ways to protect your claim.
Get Help From Grundy Disability Group
Trying to figure out if you can apply for disability while working is complicated. At Grundy Disability Group, we’ve helped people across the Kansas City area file for disability, even while working part-time. We know what the SSA looks for when reviewing claims, and we can help you avoid costly mistakes on your application.
When you work with our law firm, you will benefit from:
- Comprehensive Support: We handle everything, from first-time applications to disability appeals at every level.
- Free Case Evaluations: We offer helpful answers at no charge before you apply for disability. We’ll evaluate your case and help you understand if you have a qualifying condition.
- Trusted Local Name: Our firm is led by 4th-generation attorney Matthew R. Grundy. You can depend on his experience and knowledge of Social Security Disability law when you need benefits.
Contact Grundy Disability Group today for a free case consultation. Our Missouri disability lawyer will help you apply for benefits the right way so you can focus on your health and future.
