If you’ve applied for Social Security Disability Insurance (SSDI), you could be facing a difficult financial reality. Your bills still need to be paid as you wait for a decision.
Many applicants want to know, “Can you work while waiting for SSDI approval in Tennessee?”
While the answer is yes, there are some important limitations that could affect your eligibility for benefits.
Here is how your work impacts an SSDI claim. With that, you can avoid mistakes and make better decisions while your application is under review.
What Are Some Challenges?
The SSDI approval process is never quick. Sometimes, those first applications can take several months. And in cases where an appeal becomes necessary, the process can stretch out.
During that time, many applicants are caught in a difficult position. Yes, their medical condition may prevent them from maintaining full-time employment. However, they still need income to cover everyday expenses, such as:
- Housing
- Utilities
- Groceries
- Medical care
Some people will attempt to work part-time or take on limited duties while waiting for a decision. If you choose this option, you need to understand how the Social Security Administration will evaluate that work.
SSDI Definition of Disability
Unlike some disability programs, SSDI helps individuals who have a medical condition that prevents them from engaging in substantial work activity.
If you want to qualify, you must have a medical condition that is expected to last at least 12 months or result in death and that significantly limits your ability to work.
When reviewing your application, the Social Security Administration looks at your medical records. Along with that, they will evaluate whether you are able to earn income through work.
Unfortunately, that can get complicated.
What Is Substantial Gainful Activity?
The Social Security Administration looks at your Substantial Gainful Activity. This is the monthly earnings threshold. The SSA uses it to determine whether someone is working at a level that suggests they are capable of supporting themselves through employment.
If your earnings exceed the applicable SGA limit, Social Security could rule that you are not disabled under its rules, even if you have a medical condition.
Since these income thresholds can change from year to year, applicants will want to review the current limits or speak with an experienced disability lawyer about how their earnings may affect their claim.
Can You Work Part-Time While Waiting?
In some cases, the answer is yes. Working part-time does not automatically disqualify you from receiving SSDI benefits. Many applicants continue with limited work as their claim is pending.
But the amount you earn is important.
Once again, if your income approaches or exceeds Social Security’s earnings limits, that could raise questions about whether your condition prevents you from working.
This can happen even if your work activity falls below the SGA threshold.
This Is More Than Income
Many applicants assume that only their paycheck is the biggest piece in the decision. However, the agency may consider factors, such as:
- The number of hours you work
- The physical and mental demands of your job
- Any accommodations provided by your employer
- Whether your work performance is limited by your medical condition
- Changes made to your job duties because of your disability
These details can provide additional context about your ability or inability to maintain regular employment.
And remember, if you continue working while your SSDI application is pending, you want to accurately report your employment and earnings.
Failing to disclose work activity can jeopardize your claim.
Legal Help Is Available During the SSDI Process
Can you work while waiting for SSDI approval in Tennessee? Yes, some work activity may be allowed, but those details matter.
If you are considering working while waiting for SSDI approval in Tennessee, you want to reach out to an experienced Social Security disability attorney. At Easter & DeVore, Attorneys at Law, we can help you understand your options and avoid mistakes that could affect your claim. Reach out today to schedule a consultation.
