Understanding Substantial Gainful Activity (SGA)

The SSA uses the concept of Substantial Gainful Activity (SGA) to determine whether you are “disabled” under their rules.

• In 2025, the monthly SGA limit is $1,550 for non-blind applicants and $2,590 for blind applicants.
• If you earn more than these limits, the SSA may assume you can work and deny your SSDI claim.

Working Part-Time While Applying

You can work part-time while applying for SSDI in Pennsylvania, as long as your earnings stay below the SGA limit. Some applicants choose part-time or limited work because:

• It provides income during the long wait for a decision
• It shows a history of trying to remain employed despite medical challenges

Risks of Working While Applying

While part-time work is allowed, it comes with risks:

• The SSA may argue that your ability to work part-time proves you can work full-time
• Too many hours or income close to the SGA threshold can raise red flags
• Inconsistent reporting of earnings can delay or hurt your case

Reporting Work to the SSA

If you do work while applying, it’s important to:

• Report all income to the SSA accurately
• Keep documentation of your medical condition showing why you cannot sustain full-time work
• Track your hours and earnings to ensure they remain under SGA limits