I heard that earning full-time wages or working full-time hours usually disqualifies someone from disability benefits. Is that always true?

Generally, yes. If someone earns more than the Social Security Administration’s Substantial Gainful Activity (SGA) limit (about $1,600 per month in 2025) or consistently works full-time hours (30+ per week), they may not be considered for SSDI benefits eligibility. However, there are exceptions when “special accommodations” are involved.

What are “special accommodations” in terms of SSDI eligibility?

Special accommodations in terms of SSDI eligibility occur when an employer adjusts an employee’s duties, schedule, or workload because of their disability. Even if someone appears to be working “full-time,” they may not be performing the same scope of work as their peers due to these modifications.

Can someone still qualify for SSDI if they receive full-time pay but only perform adapted or limited tasks?

Yes. If an employer pays someone as if they were a full-time employee but significantly modifies their responsibilities because of a disability, the person may still be labeled as someone with SSDI eligibility by the SSA. What matters most is the actual tasks performed and whether the accommodations demonstrate genuine limitations.

Why is this concept important for applicants?

Many applicants assume they are automatically disqualified from SSDI benefits eligibility if their income or hours exceed the limits. In reality, if they are working under special accommodations, they may still qualify for SSDI benefits eligibility. Understanding this distinction can prevent confusion and help applicants present stronger, more accurate claims.