Should You Quit Your Job Before Filing for Social Security Disability?

When considering filing for Social Security Disability (SSD) benefits, one of the most common questions clients ask the Law Offices of Christopher Le is whether they should quit their job before applying. This decision can significantly impact your eligibility and the success of your claim. Below, we explore the key considerations to help you make an informed choice.

Understanding Social Security Disability Requirements

To qualify for SSD benefits, the Social Security Administration (SSA) requires that you have a medical condition that prevents you from engaging in substantial gainful activity (SGA) for at least 12 months or is expected to result in death. In 2025, the SSA defines SGA as earning more than $1,550 per month for non-blind individuals or $2,590 for blind individuals. If you’re working and earning above these thresholds, the SSA may determine that you’re not disabled, regardless of your medical condition.

Should You Quit Your Job?

Quitting your job before filing for SSD benefits is a nuanced decision. Here are the key factors to consider:

1. Impact of Continued Work on Your Claim If you’re working and earning above the SGA limit, it could jeopardize your SSD application. The SSA may view your ability to work as evidence that your condition doesn’t meet the disability criteria. However, if you’re working part-time or in a limited capacity below the SGA threshold, you may still be eligible to apply. It’s critical to document how your condition affects your ability to perform your job duties, as this can strengthen your case.

2. Financial Considerations Quitting your job may alleviate concerns about exceeding the SGA limit, but it could create financial hardship while you await a decision on your SSD claim. The SSD application process can take several months or even years, especially if your initial claim is denied and you need to appeal. Consider whether you have alternative sources of income, such as short-term disability benefits, savings, or support from family, before leaving your job.

3. Medical Evidence and Timing The success of an SSD claim hinges on strong medical evidence demonstrating that your condition prevents you from working. If you quit your job abruptly without sufficient medical documentation, the SSA might question whether your decision was due to disability or other factors. Conversely, continuing to work while struggling with your condition can provide valuable evidence, such as workplace accommodations, reduced hours, or performance issues, to support your claim.

4. Consult with an Experienced Attorney Before making any decisions about your employment status, consult with a qualified SSD attorney. At the Law Offices of Christopher Le, we can evaluate your specific circumstances, including your medical condition, work history, and financial situation, to advise you on the best course of action. Quitting your job may be appropriate in some cases, but in others, continuing to work with modifications or transitioning to part-time work may better support your claim.

   
   

Practical Steps to Take

• Document Your Condition: Keep detailed records of your medical treatments, symptoms, and how they impact your ability to work. This includes doctor’s visits, test results, and statements from employers or coworkers about your limitations.

• Explore Workplace Accommodations: Request reasonable accommodations from your employer, such as reduced hours or modified duties. If these accommodations fail to enable you to work effectively, this can bolster your SSD claim.

• File Promptly: Whether you choose to quit or continue working, don’t delay filing your SSD application. The process is lengthy, and early filing can establish your disability onset date, which affects your benefit amount.

• Seek Legal Guidance: An experienced attorney can help you navigate the complexities of the SSD application process, ensuring your claim is presented effectively to maximize your chances of approval.

  
  

Conclusion

Deciding whether to quit your job before filing for Social Security Disability benefits is a deeply personal choice that depends on your health, financial situation, and the strength of your medical evidence. At the Law Offices of Christopher Le, we understand the challenges of pursuing an SSD claim and are here to guide you every step of the way. Contact us today for a consultation to discuss your case and determine the best strategy for securing the benefits you deserve.

Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Please consult with an attorney for advice specific to your situation.