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58 TOOLS / 194 GUIDES
NEW ×194 State Health Insurance Mandates 2026
Benefits · plain-English definition

Substantial Gainful Activity (SGA)

The earnings level that makes a person ineligible for disability benefits.

What it is

SGA is the monthly earnings threshold used to decide Social Security disability eligibility, and it is adjusted annually. Work history, the actual hours, and reported earnings drive the determination, and remote work changes the record that gets read.

What to do about it: Report weeks in writing. A severance week, a gig week, and a gap week are recorded by the agency, and the record decides the offset question.

Plain-language description of US practice, not legal, tax, or financial advice. The paired guide carries the citations, dates, and thresholds; the state pages carry the local windows.