If you’re preparing to apply for Social Security Disability Insurance (SSDI), you’ll likely encounter the term “substantial gainful activity,” or SGA. This concept plays a key role in determining whether you qualify for benefits.
Understanding SGA in context
SGA refers to a threshold of work activity and earnings. If your monthly income exceeds a certain amount, the Social Security Administration (SSA) assumes you’re capable of productive employment and may deny your SSDI claim. As of 2025, the SGA threshold is $1,550 per month for non-blind individuals and $2,590 for blind individuals. These limits are adjusted annually for inflation.
SGA isn’t limited to full-time employment. Even part-time work can disqualify you if it produces income above the threshold. The SSA also considers the nature of your work and whether it demonstrates the capacity to engage in consistent, gainful employment.
What types of work meet the SGA standard?
Any form of compensated work may qualify as SGA. This includes traditional employment, self-employment, and gig-based work such as ride-sharing or food delivery. The SSA evaluates both your earnings and the time, energy, and responsibilities involved. If you operate a small business but show high involvement—even with modest income—your activity might still meet the SGA definition.
Unpaid or volunteer work can also raise questions if it resembles standard employment. For instance, volunteering 20 hours per week in a role requiring specialized skills might be viewed as SGA-level activity.
When SGA rules don’t fully apply
The SSA has programs that allow limited work while retaining benefits, such as the trial work period and other employment incentives. These programs give you the opportunity to test your ability to work without losing benefits immediately. However, you must report all income to prevent overpayment issues.
SGA is one of the SSA’s first eligibility checks. If your earnings exceed the limit, your application won’t move forward. Understanding how your work and income are assessed helps you make informed decisions and avoid preventable denials.
