One of the most common questions I get asked as a Social Security Disability paralegal is “Can I work while applying for SSDI benefits?” The answer is yes, but your income must remain below a certain limit to maintain your eligibility for SSDI benefits. 

The SGA Limit

To be eligible for SSDI benefits, an individual must first prove that they are unable to engage in Substantial Gainful Activity (SGA). This term is used by SSA to describe work activity that results in a certain level of income. To be engaged in SGA, an individual must be working and receiving income that is above the “SGA limit” which, in 2022, is $1,350/month. 

So what does that number mean? The SGA limit is the amount of money that an individual can earn each month through work activity before taxes while remaining eligible for SSDI benefits. This means that in 2022, a person can make up to $1,350/month in gross pay and still be eligible for SSDI benefits. However, if a person’s income is more than the SGA limit, they are considered to be engaged in Substantial Gainful Activity and would no longer meet that eligibility requirement. 

The SGA limit increases each year due to cost of living adjustments and will increase to $1,470 starting in 2023.

Once an individual is awarded benefits, there are additional income requirements they must follow to avoid losing their benefits. Check out our blog post on the Trial Work Period that explains the rules regarding returning to work for individuals currently receiving SSDI benefits. 


We understand that applying for SSDI benefits is a long and difficult process that can put a financial strain on many people. Please read our Financial Hardship Resources blog for more information on various Arizona financial resources that can be used while awaiting a determination. And remember—you can continue to work while applying for benefits as long as your income does not exceed the current SGA limit.