Eligibility for Part-Time Workers in Colorado

Being a part-time worker doesn’t automatically disqualify you from receiving disability benefits. However, the SSA will look closely at:

Your Earnings

The SSA uses a measure called Substantial Gainful Activity (SGA). In 2025, if you earn more than $1,550/month (non-blind) or $2,590/month (blind), you may be considered capable of gainful work and not eligible for SSDI.

If you work part-time but earn below the SGA threshold, the SSA may still consider you disabled if your condition limits your ability to work full-time or in a consistent manner.

The Nature of Your Work

Even if you're earning below SGA, the SSA will examine:

• The type of work you're doing
• How many hours you work
• Whether the work demonstrates you could do more substantial work
• If accommodations are being made that wouldn’t exist in a typical job

If your part-time work shows you can’t maintain full-time employment due to your disability, that can support your claim.

SSDI vs. SSI for Part-Time Workers

SSDI (Social Security Disability Insurance):

• You must have a sufficient work history, typically 5 out of the last 10 years full-time.
• Part-time workers may qualify if they’ve previously worked enough and paid Social Security taxes.

SSI (Supplemental Security Income):

• Based on financial need, not work history.
• If your income and assets are low, and your disability prevents full-time work, you may qualify even with limited or no work record.
  

Filing a Strong Claim as a Part-Time Worker

To improve your chances:

• Be transparent about your part-time job when applying.
• Include documentation showing how your condition limits your hours, tasks, and reliability.
• Get a statement from your doctor explaining why you can’t work full-time.
• Include pay stubs or wage verification to confirm your income is below SGA.