SSDI & Self Employment: What You Need to Know

Many self-employed people assume SSDI doesn’t apply to them — or that they can work unlimited hours and still qualify. The truth? SSDI isn’t about your job title or how much you want to work. It’s about your ability to work.

The Social Security Administration (SSA) looks beyond just income. For self-employed individuals, they evaluate:

• What work you’re actually doing – Is it sustainable? Could someone else reasonably do your role?

• Whether the business relies on you – If it only functions because of your personal labor, that affects how SSA sees your work.

• Whether your work resembles full-time competitive employment – High hours or income can impact eligibility.

This means you can be “working a little” — and still working in a way SSA considers substantial gainful activity (SGA).

Why it matters:
Understanding these rules early can help prevent denials or overpayment issues. It can also guide decisions about hours, income, and accommodations if you’re managing a disability.

If you’re self-employed, freelance, or in the gig economy and navigating SSDI, consulting early can help protect both your income and your health.