Will work affect my SSDI benefits?
Estimate whether your earnings are at risk of exceeding the Substantial Gainful Activity limit, accounting for work-related deductions.
1. Earnings
2. Deductions (Optional)
Calculations happen in your browser. No data is stored.
Why this matters
If you earn over the 'Substantial Gainful Activity' (SGA) limit, the SSA may stop your disability payments. However, you can deduct certain expenses (IRWE) and subsidies to lower your 'Countable Income' and stay eligible.
Figures based on SSA Publication No. 05-10003 (2026). This tool is for estimation only.
Understanding the SGA limit and work incentives
If you receive Social Security Disability Insurance (SSDI) and return to work, your benefits don't stop immediately just because you earn above the monthly SGA limit. The SSA offers work incentives like Impairment Related Work Expenses (IRWE) and Subsidies that reduce your "countable income." This tool helps you understand whether you may be at risk, but it is not a substitute for official guidance. Contact your local SSA office or work incentive planner for a definitive answer about your benefits.