Social Security Disability Substantial Gainful Activity (SGA).

Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to individuals who are unable to work due to a disability.

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One important factor in determining eligibility for SSDI benefits is the concept of Substantial Gainful Activity (SGA).

By; Patrick Mansfield

By; Patrick Mansfield

08/03/2023

One important factor in determining eligibility for SSDI benefits is the concept of Substantial Gainful Activity (SGA). Understanding what SGA means and how it affects your eligibility is crucial when applying for disability benefits.


What is Substantial Gainful Activity?

Substantial Gainful Activity refers to the level of work activity that is considered substantial and gainful according to the Social Security Administration (SSA). If you are able to engage in activities that earn you a certain amount of income, the SSA may determine that you are not disabled enough to qualify for SSDI benefits.


For individuals who are not blind, the SGA earnings threshold is adjusted annually. In 2021, the monthly SGA amount is $1,310. This means that if you earn more than $1,310 per month through employment, the SSA will likely consider you capable of performing substantial gainful activity and may deny your disability claim.


However, it's important to note that not all income is considered when determining SGA. The SSA looks specifically at the income derived from work activity and uses specific guidelines to calculate whether your earnings exceed the SGA threshold.

  • While earning above the SGA limit typically indicates an ability to work and may impact your eligibility for SSDI benefits, there are exceptions and special rules that allow individuals to still qualify for benefits even if they earn above the SGA limit. These exceptions include:

     1. Trial Work Period: The SSA offers a Trial Work Period (TWP) during which individuals receiving SSDI benefits can test their ability to work without losing their benefits. During the TWP, individuals can earn any amount above a certain limit (in 2021, $940 per month) for up to nine months within a five-year period.


    2. Blind Individuals: For individuals who are blind, a higher SGA income threshold applies. In 2021, the monthly SGA amount for blind individuals is $2,190.


    3. Special Conditions: The SSA may consider various factors and conditions that impact an individual's ability to work, such as the nature of the work, the amount of support and supervision received, and the use of work-related accommodations.

It's important to consult with a disability attorney or the SSA directly to understand how these exceptions may apply to your specific situation.


The Impact of SGA on SSDI Benefits

If you exceed the SGA threshold, the SSA may find that you are not disabled and therefore not eligible for SSDI benefits. However, it's essential to understand that the SGA threshold applies only to earned income from employment. Other income sources, such as investments, rental properties, or government benefits like Supplemental Security Income (SSI), do not count towards SGA.


When applying for SSDI benefits, it's crucial to provide accurate and detailed information about your work history, earnings, and any other sources of income. The SSA will carefully review your application and consider the SGA guidelines to determine your eligibility.


In conclusion, understanding Substantial Gainful Activity (SGA) and its impact on Social Security Disability Insurance (SSDI) benefits is crucial when applying for disability assistance. By familiarizing yourself with the SGA earnings threshold and the exceptions that may apply, you can better navigate the application process and increase your chances of receiving the benefits you deserve.


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