< Back to Social Security Administration

Can I work part-time sitting jobs while receiving SSDI benefits? Confused about income limits

I recently got diagnosed with a pretty serious back condition that makes it impossible for me to work at my construction job anymore. My doctor is recommending I apply for SSDI since she doesn't think I'll be able to return to physical labor. I'm only 52 and honestly don't know how I feel about going on disability this young. My question is about possibly working while on SSDI. If I were to find a sedentary job (something where I can sit all day), would it make sense to still collect SSDI or should I just forget about disability benefits altogether? How much can you even earn before they cut off your benefits? Is there a phase-out period or do they just terminate everything if you make over some threshold? I'm totally confused about how this all works and don't want to mess up my future benefits. Any advice from people who've been through this?

Carmen Vega

•

Don't put the cart before the horse. First, you need to actually qualify for SSDI which is not easy. SSA denies about 65% of initial applications, and the process can take 6-24 months depending on appeals. You need to prove you have a medical condition that prevents you from performing ANY substantial gainful activity (SGA), not just your previous construction job. To directly answer your question though: In 2025, the SGA limit is $1,550/month for non-blind individuals. If you earn more than that, SSA considers you able to engage in SGA and you won't qualify for or maintain SSDI. There are work incentive programs like Trial Work Period (TWP) and Extended Period of Eligibility (EPE) that let you test your ability to work while still receiving benefits under certain conditions.

0 coins

Yuki Kobayashi

•

Thanks for the reality check. I had no idea the approval rate was so low. My doctor seemed confident I'd qualify given my condition and imaging results, but maybe she was being too optimistic. Do you know if I can even apply for SSDI if I'm thinking about taking a sedentary job? Or would that automatically disqualify me?

0 coins

Andre Rousseau

•

i was in the same boat in 2023, back injury from years of warehouse work. got approved for SSDI after 8 months and 1 appeal. now i work part time at a call center (20hrs/week) and still get my SSDI. just make sure you stay under the SGA limit the other person mentioned

0 coins

Yuki Kobayashi

•

That's exactly the kind of situation I'm hoping for. How hard was it balancing your SSDI paperwork with the part-time work? Did you have to constantly report your earnings or was it more of an annual thing?

0 coins

Andre Rousseau

•

not too bad. you report wages quarterly & they adjust if needed. just keep ALL your paystubs & track everything. they can audit you anytime. the most stressful part is knowing one good month could mess things up if you go over the limit

0 coins

Zoe Stavros

•

You should know about the Trial Work Period (TWP) that SSDI offers. You get 9 months (don't have to be consecutive) where you can earn ANY amount without affecting your benefits. In 2025, any month you earn over $1,110 counts as a TWP month. After you use all 9 TWP months, you enter a 36-month Extended Period of Eligibility where your benefits are suspended in months you earn over SGA ($1,550) but automatically reinstated in months you earn under it. This is designed exactly for situations like yours where someone wants to test their ability to work. Many people with back issues find that even sedentary jobs can be problematic long-term, so this gives you a safety net.

0 coins

Jamal Harris

•

wait does that mean u can make like $5k in a month during TWP and still keep full benefits that month??? that sounds too good to be true

0 coins

Zoe Stavros

•

Yes, during your Trial Work Period, there is no limit to how much you can earn while still receiving your full SSDI benefit. The only thing is that any month you earn over the TWP threshold ($1,110 in 2025) counts as one of your 9 TWP months. Once those 9 months are used up (within a rolling 60-month period), then the SGA limits apply. The system is designed to encourage people to attempt returning to work without fear of immediately losing benefits.

0 coins

GalaxyGlider

•

DON'T EVEN BOTHER APPLYING!!!! I wasted 2 YEARS trying to get SSDI with a similar back condition and got DENIED TWICE!!! Then they told me I could "just find a desk job" even though sitting for more than 20 minutes causes EXTREME pain. These people DON'T CARE about us. The whole system is designed to DENY benefits until you either give up or DIE waiting!!!

0 coins

Mei Wong

•

I'm sorry you had that experience, but every case is different. The key is having thorough medical documentation that clearly shows how your condition prevents you from performing even sedentary work. It's important that your doctors specifically document sitting/standing limitations, need for position changes, inability to concentrate due to pain, etc. Did you have a disability attorney help with your case? They often make a significant difference in approval rates, especially at the hearing level.

0 coins

GalaxyGlider

•

No I tried doing it myself because I couldn't afford a lawyer!! Nobody told me they only get paid if you win. Total nightmare and now I'm too afraid to try again even though my condition is worse now. The whole system is cruel.

0 coins

Jamal Harris

•

my mom gets ssdi and works part time at library. they let her switch positions and she only does like 15hrs a week. seems to work ok for her

0 coins

Liam Sullivan

•

One thing no one has mentioned is that if you do get approved for SSDI, you'll qualify for Medicare after 24 months on benefits regardless of your age. This can be HUGE if you have ongoing medical needs for your back condition. If you find a part-time job that doesn't offer health insurance, keeping your SSDI under the SGA limit might be worth it for the Medicare coverage alone. I've been on SSDI for 3 years for a different condition, and honestly, the Medicare has been more valuable than the monthly cash benefit in my situation. Just something else to consider in your planning.

0 coins

Yuki Kobayashi

•

I hadn't even thought about the Medicare aspect! That's a really good point since treatment for my back is going to be ongoing and expensive. My current insurance has a really high deductible that I'm struggling to meet. How does Medicare compare to private insurance for specialist visits and procedures?

0 coins

Liam Sullivan

•

Medicare Part B covers 80% of outpatient services after you meet the annual deductible ($240 in 2025). You'll want to look into a Medicare supplement plan (Medigap) to cover that remaining 20%, especially if you're having regular specialist visits or procedures. With a good supplement plan, your out-of-pocket can be very minimal. For prescription drugs, you'll need Part D coverage too. Overall though, it's generally much better coverage than high-deductible private plans for people with chronic conditions.

0 coins

Zoe Stavros

•

I noticed a few people mentioned the difficulty getting through to SSA when applying or reporting wages. I've found that using Claimyr (claimyr.com) has been a game-changer for getting through to actual SSA representatives. Instead of spending hours on hold or getting disconnected, they get you through to an agent usually within 30 minutes. I used it when I needed to report my work activity and again when I had questions about my Trial Work Period. You can see how it works in their video demo: https://youtu.be/Z-BRbJw3puU

0 coins

Andre Rousseau

•

this actually works?? i spent 2 HOURS on hold last month just trying to verify my wages were recorded correctly

0 coins

Zoe Stavros

•

Yes, it definitely works. I was skeptical too, but when I needed to talk to someone about my Continuing Disability Review while working part-time, I was desperate after multiple disconnections. The service connected me to an SSA rep in about 20 minutes. Saved me so much frustration, especially since the local offices were booked months out for appointments.

0 coins

Mei Wong

•

Something important to understand: SSDI isn't just about not being able to do your previous job - it's about being unable to perform ANY substantial gainful activity. When evaluating your claim, SSA will assess your "residual functional capacity" (RFC) - what you CAN do despite your limitations. If your medical evidence only shows you can't do construction but could handle sedentary work, and SSA determines you have transferable skills to sedentary jobs that exist in significant numbers, you likely won't be approved initially. However, if your condition truly prevents even sustained sedentary work (need to change positions frequently, take unscheduled breaks, limited sitting tolerance, inability to maintain concentration due to pain, etc.), then you should apply with thorough documentation of these limitations. Your doctors' opinions about specific functional limitations are crucial here.

0 coins

Yuki Kobayashi

•

This makes a lot of sense, thank you. My doctor mentioned that even sedentary work would be problematic for me because I can't sit for more than 30 minutes without severe pain and need to lie down several times daily. I'll make sure all of this is clearly documented in my medical records before applying.

0 coins

GalaxyGlider

•

And another thing - if your application gets rejected (which it probably will the first time), APPEAL IMMEDIATELY! Don't make my mistake of waiting too long or filing a new application. The appeals process is how most people eventually get approved.

0 coins

Carmen Vega

•

Regarding sedentary work while on SSDI - there are also programs specifically designed to help SSDI beneficiaries return to work if they're able. The Ticket to Work program provides free employment support services and protection against medical Continuing Disability Reviews while you're participating. Depending on your situation, this might be a good option to explore after you're approved for benefits. You can test your work ability with various supports in place. Look into Benefits Planning Assistance and Outreach (BPAO) services in your area for personalized guidance on how working might affect your benefits.

0 coins

Yuki Kobayashi

•

I'll definitely look into the Ticket to Work program. I really don't want to be on disability forever if I can avoid it, but I need the safety net while I figure out what kind of work I can sustain with my condition. Thanks for mentioning this!

0 coins

TaxRefund AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
6,774 users helped today