WHAT IS SGA (SUBSTANTIAL GAINFUL ACTIVITY) AND HOW DOES IT AFFECT SOCIAL SECURITY DISABILITY AND SSI ELIGIBILITY?



What is SGA (Substantial Gainful Activity) and how does it affect Social Security Disability and SSI Eligibility?



 
SGA is an acronym for the Social Security term substantial gainful activity. According to the Social Security Administration's definition of disability, in order to be considered disabled and eligible to receive disability benefits, a person must have functional limitations (mental, physical, or both) that are severe enough to restrict their ability to engage in work activity.

How Social Security determines disability

SSA (social security administration) determines if a claimant is disabled by evaluating their medical and work histories and then rating their condition; claimants are given physical residual functional capacity ratings and mental residual functional capacity ratings by disability examiners (or by judges at the disability hearing level). However, whether or not a claimant is disabled can also be determined by a claimant's work activity.

For this reason, Social Security must evaluate an individual's earnings when they apply for disability, and also during future reviews of their claim--this is known as a continuing disability review, or CDR.

SGA, or substantial gainful activity, is tied to a specific monetary amount; in other words, a monthly earnings limit. To put it briefly, if a person who is filing for disability is earning more than the SGA amount, their claim will be given what is referred to as a technical denial.



When a case is given a technical denial, the denial occurs at the social security office almost immediately, meaning that the case is never sent to disability determination services and assigned to a disability examiner for processing.

Translation: there is no point to filing a claim if you are currently working and earning at least the SGA amount...however, if your condition causes you to stop work or causes your earnings to drop below the SGA limit, consider filing a claim.

The SGA amount is subject to change as a result of inflation adjustments. Currently, for 2021, the SGA amount is $1310.00. Please keep in mind that this is gross monthly earned income (before taxes).

To reiterate

The Social Security administration's definition of disability is based on an individual's inability to engage in work activity that produces substantial and gainful income; in other words, the inability to work and earn at least that much (the current limit for SGA per month).

At the time you file a disability application, if you are earning over the SGA amount, you will be denied for an initial disability claim, regardless of your medical condition. Remember, too, if you are receiving disability benefits the SGA monthly amount will also affect you. For this reason, you should call your local Social Security office about any work activity you engage in (including self employment).


About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.







Most popular topics on SSDRC.com

Social Security Disability in North Carolina

Common Mistakes to avoid after being denied for Disability

Tips to Prepare for Filing for Social Security Disability or SSI

Advice to Win SSD and SSI Benefit Claims

Social Security Disability SSI Questions

What is the difference between Social Security Disability and SSI?

How to get disability for depression

Getting disability for fibromyalgia

SSI disability for children with ADHD

What is the Application Process for Social Security Disability and SSI?

Social Security Disability SSI Exam tips

More Social Security Disability SSI Questions

What makes you eligible for Social Security Disability or SSI?






Related pages:

Can I get disability in North Carolina if I am under 50?
Are You Allowed to Work While Receiving Social Security Disability or SSI?
What is an unsuccessful work attempt?
If my medical condition keeps me from working will I get Social Security Disability?
Can't Work In My Old Job, How Does Social Security Disability Consider This?
Social Security Disability And Trial Work Months: You are allowed to Work
Medical Disability - How does Social Security view your work and medical records
Is there a Maximum I can Work and Make if I am on SSD or SSI Disability Benefits?
Working while getting Disability - Is it Possible?
Can You Work While You Appeal Your Social Security Disability Decision?
How long do you have To Be Out Of Work Before You Get Social Security Disability (SSD)?
Can I work without it affecting my Social Security Disability or SSI?
What happens if you are working when you file for disability or work after you apply for disability?
Will working part-time affect my SSD?
Working while on Social Security Disability and Not Reporting
What is SGA (Substantial Gainful Activity)?
If I Apply For Disability And Go Back To Work, Do I Need To Report This?
Are you allowed to work at all if you get Social Security Disability or SSI?
Will I qualify for disability Benefits in Wisconsin?

If you apply for disability in in Wisconsin

Getting a Disability Lawyer in Wisconsin