If you are applying for Social Security Disability Insurance (SSDI) in Georgia, one of the biggest concerns may be whether you can still work while waiting for a decision. Since the SSDI process can take months—or even longer—it’s understandable that many applicants wonder if earning some income is allowed. The answer depends on how much you earn and what type of work you do, because the Social Security Administration (SSA) uses strict rules to decide whether you are disabled.
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1. Understanding the SSA’s Work Rules
The SSA looks at whether your work counts as Substantial Gainful Activity (SGA).
- For 2025, if you earn more than $1,550 per month (or $2,590 per month if you are blind), the SSA generally considers this SGA.
- If you are working above that limit, the SSA may decide you are not disabled, since they believe you are capable of earning a substantial income.
This means you can work while applying for SSDI, but your income must stay below the SGA level.
2. Types of Work That May Affect Your Claim
Not all work is treated the same way.
- Part-Time Work: Allowed, as long as income remains under the SGA threshold.
- Trial Work Attempts: Sometimes the SSA allows limited work as an effort to test if you can return to work.
- Volunteer or Non-Paid Work: Even unpaid work can sometimes be considered if it shows you are capable of working.
- Heavy vs. Light Work: If your job duties suggest you can perform physical or mental tasks at a competitive level, this may hurt your claim.
3. Risks of Working While Applying
While it’s not illegal to work, it can create risks:
- The SSA may argue that if you can work part-time, you could work full-time.
- Your credibility may be questioned if your job duties don’t align with the limitations you describe.
- Income close to the SGA limit may cause delays or denials.
That’s why many applicants choose to be extremely cautious about working during the application process.
4. How to Avoid Mistakes
If you need to work while applying for SSDI in Georgia:
- Track Your Income: Keep accurate pay stubs and records of hours worked.
- Stay Under SGA: Make sure your gross monthly earnings do not exceed SSA’s limit.
- Be Honest: Always report your work and income to the SSA. Failure to do so can cause serious problems for your case.
- Document Your Struggles: Keep notes on how your condition limits you even when attempting light or part-time work.
5. What If You Need Income Right Away?
If working is too difficult but you need financial help while waiting, you may want to explore:
- Supplemental Security Income (SSI): For those with limited income and resources.
- State or Local Assistance Programs: Georgia offers limited aid through the Department of Human Services.
- Short-Term or Long-Term Disability Insurance: If available through your employer or privately purchased.
How Hogan Smith Can Help
At Hogan Smith, we know how stressful it is to balance your health and financial needs during the SSDI application process. Our team can:
- Explain what type of work, if any, is safe while applying.
- Review your income records to make sure you’re staying under SSA limits.
- Help you document your medical limitations in a way that strengthens your case.
- Represent you in appeals if your claim is denied due to work-related issues.
Contact Hogan Smith Today
If you are asking, “Can you work while applying for SSDI in Georgia?”, the answer is yes—but only within very strict limits. Don’t take chances with your claim. Contact Hogan Smith today for a free consultation, and let our team help you protect your benefits while guiding you through the SSDI process.
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