diff --git a/gems/rubocop-canvas/lib/rubocop_canvas/cops/migration/add_index.rb b/gems/rubocop-canvas/lib/rubocop_canvas/cops/migration/add_index.rb
index fc176f71755..6a92a77ab9d 100644
--- a/gems/rubocop-canvas/lib/rubocop_canvas/cops/migration/add_index.rb
+++ b/gems/rubocop-canvas/lib/rubocop_canvas/cops/migration/add_index.rb
@@ -104,11 +104,12 @@ module RuboCop
         end
 
         def check_add_reference(node)
-          check_non_transactional
-
           arg = index_argument(node).first
-          if arg.nil? || (!false?(arg) && !algorithm_concurrently?(arg))
-            add_offense arg || node, message: INDEX_ALGORITHM_CONCURRENTLY_MSG, severity: :warning
+          if arg.nil? || !false?(arg)
+            check_non_transactional
+            if arg.nil? || !algorithm_concurrently?(arg)
+              add_offense arg || node, message: INDEX_ALGORITHM_CONCURRENTLY_MSG, severity: :warning
+            end
           end
         end
 
diff --git a/gems/rubocop-canvas/spec/rubocop/cop/migration/add_index_spec.rb b/gems/rubocop-canvas/spec/rubocop/cop/migration/add_index_spec.rb
index 58597b99017..44e66180073 100644
--- a/gems/rubocop-canvas/spec/rubocop/cop/migration/add_index_spec.rb
+++ b/gems/rubocop-canvas/spec/rubocop/cop/migration/add_index_spec.rb
@@ -145,7 +145,6 @@ describe RuboCop::Cop::Migration::AddIndex do
     it "doesn't complain if not indexed" do
       inspect_source(<<~RUBY)
         class TestMigration < ActiveRecord::Migration
-          disable_ddl_transaction!
           def up
             add_reference :users, :organizations, index: false
           end