1. Understanding the SGA Limit in Maryland

The SSA uses a nationwide standard called Substantial Gainful Activity (SGA) to decide if an applicant is disabled:

• In 2025, the monthly SGA limit is $1,550 for non-blind applicants and $2,590 for blind applicants.
• If your gross monthly earnings are above these limits, the SSA will generally decide that you are not disabled.
• If your earnings are below the SGA threshold, you may still qualify for SSDI benefits while continuing part-time or limited work.

This rule applies in Maryland the same way it does across the country.

2. What Types of Work Activity May Affect SSDI

The SSA looks at more than just the dollar amount you earn. They also consider:

• Number of hours worked – Even if you earn less than the SGA amount, working full-time may signal that you are capable of employment.
• Job duties and physical demands – If your work responsibilities conflict with the limitations you’ve claimed, it may weaken your case.
• Work accommodations – If your employer provides special accommodations or reduced duties, this may reduce how much of your earnings are “counted.”

In short, working too much or in ways inconsistent with your disability claim may harm your application.

3. Options for Maryland Applicants Who Must Work

If you need to work while applying for SSDI in Maryland, here are some important strategies:

• Limit your hours and income to stay under the SGA threshold.
• Keep detailed records of your job duties, hours, and wages to show the SSA.
• Document any accommodations your employer provides due to your disability.
• Track your impairment-related work expenses (IRWE), such as medical devices, medications, or transportation costs. These expenses may be deducted from your earnings, lowering your countable income.

By carefully managing your work activity, you can maintain eligibility while your SSDI claim is under review.

4. Risks of Working During the SSDI Application Process

While it is possible to work, there are risks:

• Your claim could be denied if the SSA believes your work shows you are not disabled.
• Inconsistent medical and work records may hurt your credibility. For example, if your doctor states you cannot lift more than 10 pounds, but you are working a job requiring heavy lifting, the SSA may use this against you.
• Longer review times may occur if the SSA needs additional clarification about your employment.

Because of these risks, many applicants choose to either stop working or carefully limit their activity until after their case is decided.