What is the SGA limit for 2026?

The 2026 SGA limit is $1,690 per month for non-blind individuals and $2,830 per month for blind individuals.

What is IRWE and how does it affect SGA?

Impairment-Related Work Expenses (IRWE) are disability-related costs that can be deducted from gross earnings before determining if you exceed SGA limits.

What happens if I exceed SGA?

Exceeding SGA after your Trial Work Period may result in benefit suspension. You may still receive benefits during the Extended Period of Eligibility if earnings fluctuate.

Substantial Gainful Activity (SGA) Calculator

Check if your earnings exceed the SGA threshold for disability benefits. Includes deductions for IRWE and subsidies.

Disability Type

Gross Monthly Earnings ($)

Your total earnings before any deductions

Impairment-Related Work Expenses (IRWE) ($)

Out-of-pocket costs for items/services needed to work because of your disability (e.g., medications, transportation, attendant care, special equipment)

Subsidies & Special Conditions ($)

Value of support you receive from your employer (extra supervision, fewer duties, etc.) that exceeds your actual productivity

Related Resources

Work Incentives Guide — Learn about IRWE, subsidies, and other deductions
Trial Work Period Calculator — Track your 9 TWP months before SGA applies
SSDI Benefit Estimator — Estimate your monthly SSDI payment
SSI vs SSDI Guide — Understand how SGA affects each program differently