Social Security Disability Insurance Eligibility

In 2026, Thomas is age 45 and works as an electrician. Due to a severe spinal injury, he is no longer able to perform substantial work. His physician expects the condition to last at least 18 months.

Thomas currently earns $3,820 per month from part-time consulting work. He is not blind and has sufficient work credits to be insured under Social Security.

Based on Social Security rules, which statement best describes Thomas’s eligibility for Social Security Disability Insurance (SSDI) benefits?

1. Thomas is eligible because his condition is expected to last longer than 12 months
2. Thomas is eligible because his earnings are below the 2026 Substantial Gainful Activity limit
3. Thomas is not eligible because his earnings exceed the 2026 Substantial Gainful Activity limit
4. Thomas is not eligible because part-time work automatically disqualifies SSDI applicants