SGA Work Check Tracker
A free BenefitKarma tool that helps you track work activity against SSA's Substantial Gainful Activity (SGA) limits while on SSDI.
Official source: ssa.gov
## Key facts
- Uses 2026 SGA (Substantial Gainful Activity) thresholds — $1,690/month non-blind; $2,830/month blind — to check whether your reported earnings would count as "too much work" under SSA's rules. - Counts allowable deductions like IRWE (Impairment-Related Work Expenses — things like medications or equipment you need specifically to work) and employer subsidies that can lower your countable income below the SGA limit. - Tracks how many Trial Work Period (TWP) months you've used, and flags when a new month is triggered. You get 9 TWP months total before SGA rules fully apply. - Explains how the Ticket to Work program and Extended Period of Eligibility (EPE) rules protect you during the return-to-work process. - A good fit if you're on SSDI and considering part-time work and want to check whether your earnings are safe before you start.
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Frequently asked questions about SGA Work Check Tracker
What is the SGA Work Check Tracker?+
A free BenefitKarma tool that checks whether your work activity is likely to count as Substantial Gainful Activity under SSA rules.
Why does SGA matter?+
If your countable earnings are above SGA, SSA can decide you are not disabled or stop your benefits.
Does it count work expenses?+
Yes. The tool accounts for Impairment Related Work Expenses and subsidies that reduce countable income.
Source: ssa.gov