SGA
The earnings threshold used by the SSA to determine whether a person is engaging in work that disqualifies them from SSDI or SSI benefits.
2025 SGA threshold: $1,620/month for non-blind individuals; $2,700/month for blind individuals.
Earning above SGA generally disqualifies you from initial SSDI eligibility or may trigger cessation of ongoing benefits.
Trial Work Period (TWP): SSDI recipients can test their ability to work for 9 months without losing benefits.
→ Many self-employment expenses can be deducted from gross income before comparing against SGA.
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Frequently asked questions about SGA
What is Substantial Gainful Activity (SGA)?+
The earnings threshold used by the SSA to determine whether a person is engaging in work that disqualifies them from SSDI or SSI benefits. 2025 SGA threshold: $1,620/month for non-blind individuals; $2,700/month for blind individuals.
Who qualifies for SGA?+
Adults under full retirement age who have a qualifying medical condition expected to last 12+ months and who have earned enough recent work credits.
How do I apply for SGA?+
Apply online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office. There's no cost to apply.
Where can I get help?+
Run the SSDI Filing Success Score to check your readiness, then the SSDI Benefit Estimator to size up your monthly payment. Local Social Security field offices can also help you apply at no cost.