The Social Security Administration (SSA) uses a concept called “substantial gainful activity” (SGA) to determine whether someone qualifies for Social Security Disability Insurance (SSDI). Understanding SGA can help applicants navigate the eligibility process more effectively.
What is substantial gainful activity?
Substantial gainful activity refers to the level of work and income that shows a person can support themselves. The SSA uses SGA to assess if an applicant’s disability prevents them from performing work at a level where they can earn a living. For 2024, the SSA set the SGA income limit at $1,470 per month for non-blind individuals and $2,460 for blind individuals. These limits change yearly based on the national wage index.
How SGA affects eligibility for SSDI
An applicant must not engage in SGA to qualify for SSDI. If a person earns more than the SGA limit, the SSA considers them capable of substantial work. As a result, the applicant may not qualify for disability benefits. On the other hand, those who earn less than the SGA limit have a better chance of proving their inability to maintain gainful employment due to their disability.
Exceptions to SGA for SSDI recipients
Once someone starts receiving SSDI benefits, they may still be able to work under specific conditions. The SSA allows recipients to enter a trial work period, during which they can earn more than the SGA limit without losing benefits. This program provides an opportunity for recipients to test their ability to return to work without the fear of losing financial support. If successful, individuals may eventually transition away from SSDI, but they also have safety nets if their disability prevents them from maintaining employment.
Understanding how SGA works can help applicants determine their eligibility for SSDI. Knowing the income limits and the exceptions available allows individuals to make informed decisions about applying for or maintaining disability benefits.
