DISABILITY SURVIVAL GUIDE: NORTH ALABAMA EDITION

Yes, you may collect Social Security disability if your spouse or someone else living in your household works.  It doesn't matter how much money they earn. The only restriction for SSDI benefits is that the claimant cannot be working at "Substantial Gainful Activity" or SGA.  In 2025, you are working at SGA level if you earn gross monthly wages of at least $1,620 per month.  (In 2024 that amount was $1,550 per month; it's adjusted annually for inflation). Social Security disability is not needs-based or income restricted.  You don't need to be poor or have limited finances to get SSDI benefits.   (Don't confuse SSDI with Supplemental Security Income or SSI, which does have severe financial restrictions). With SSDI, you may have large savings, bank accounts or investments--as long as you (the claimant) is not working. SSDI looks only at the claimant's income--and only to see if the income is from work activity (wages, salary, commissions or self employment)...