Social Security disability benefits are for those who cannot earn a living wage because of a qualifying medical condition. In other words, it’s reasonable to assume that as long as you can work, you are not entitled to benefits. However, the key phrase here is “living wage.” Just because you earn some money does not automatically exclude you from the program. If you are still part of the workforce and are thinking about applying for disability, here’s what you should know. 

Your Income Must Not Exceed a Certain Amount 

Applicants who are still working are ineligible for benefits if they earn more than $1,220 per month. This is known as the substantial gainful activity (SGA) threshold, and it applies to nearly everyone, regardless of their disability. The one exception is claimants who are blind. If you are blind, you can earn up to $2,040 per month while still remaining eligible for disability benefits. 

Your Schedule Must Not Be Demanding 

Even if you earn less than the SGA limit, the Social Security Administration (SSA) might not approve your application if you can work 20 or more hours per week. In general, only those who work part time are entitled to disability benefits.

At the end of the day, the SSA will consider several factors when reviewing your application, so there is no way to predict with certainty whether it will actually be approved. For example, if you own a small business but handle virtually none of the day-to-day operations, neither the income earned nor the hours spent can prevent you from securing benefits. If, on the other hand, you work from home for 30 hours per week, the SSA might deny the claim, even if the job is 100% sedentary. 

If you want to apply for Social Security disability benefits, turn to the knowledgeable attorneys at Carey & Hamner, P.C. for guidance. Practicing out of Dothan, AL, this firm provides personalized and compassionate counsel to injured and disabled parties throughout Houston County. One of their lawyers will be happy to evaluate your situation to determine if you are eligible for benefits. Their legal team can also help you navigate every stage of the application process and ultimately prove that you have a qualifying disability. If your claim is denied, they can guide you through the appeals process, as well. To request a free consultation with a Social Security disability attorney, call (855) 435-4797 or visit their website.