What are the income requirements for SSDI in Alabama?
By Hogan Smith
Updated 05/29/2025
If you're applying for Social Security Disability Insurance (SSDI) in Alabama, understanding the income requirements is crucial. SSDI is designed for individuals who have a qualifying disability and sufficient work history, regardless of their current income or assets.
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Substantial Gainful Activity (SGA) Limits
To qualify for SSDI, your monthly earnings must not exceed the Substantial Gainful Activity (SGA) threshold. These limits are:
- $1,620 per month for non-blind individuals
- $2,700 per month for individuals who are blind
Earning above these amounts may disqualify you from receiving SSDI benefits, as it suggests the ability to engage in substantial work activity.
Work Credits Requirement
Eligibility for SSDI also depends on your work history. You earn work credits based on your annual income, with a maximum of four credits per year. In 2025:
- You earn 1 credit for every $1,810 in wages or self-employment income
- To earn the maximum 4 credits in a year, you need to earn $7,240
Generally, you need 40 credits, with 20 earned in the last 10 years, to qualify for SSDI. Younger workers may qualify with fewer credits.
No Asset Limits for SSDI
Unlike Supplemental Security Income (SSI), SSDI does not take into account your assets or unearned income like savings, investments, or property. The focus is strictly on your ability to work and your employment history.
How Hogan Smith Can Help
Navigating the SSDI application process can be complex. At Hogan Smith, we offer:
- A comprehensive evaluation of your income and work history
- Help in gathering the necessary documentation for your claim
- Support through the application and appeals process
- Representation at hearings, if needed
Contact Hogan Smith Today
If you're in Alabama and considering applying for SSDI, we’re ready to help. Contact Hogan Smith today for a free consultation and take the first step toward getting the benefits you deserve.
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