The income limit for earned income for Supplemental Security Income (SSI) eligibility varies based on whether an individual is blind. To qualify for SSI, your monthly earned income generally needs to be below specific thresholds defined by Substantial Gainful Activity (SGA).
For non-blind individuals, the monthly earned income limit is $1,550.
For blind individuals, the monthly earned income limit is $2,590.
These figures represent the amount of earned income that the Social Security Administration considers "Substantial Gainful Activity" (SGA).
Understanding Earned Income Limits for SSI
Supplemental Security Income (SSI) is a needs-based program that provides financial assistance to aged, blind, and disabled individuals who have limited income and resources. A key factor in determining eligibility is an individual's income, specifically their earned income.
Current Monthly Earned Income Limits (Substantial Gainful Activity - SGA)
The Social Security Administration (SSA) uses the concept of Substantial Gainful Activity (SGA) to define the maximum allowable earned income for SSI qualification. If your monthly earned income is at or above the SGA limit, you are generally considered to be engaging in substantial gainful activity and may not qualify for SSI based on income.
Here are the specific monthly earned income limits:
| Category | Monthly Earned Income Limit (SGA) |
|---|---|
| Non-Blind Persons | $1,550 |
| Blind Persons | $2,590 |
It's important to note that these limits apply to monthly earned income.
What is Substantial Gainful Activity (SGA)?
Substantial Gainful Activity (SGA) refers to the performance of significant physical or mental activities, usually for pay or profit. For SSI eligibility, if your earned income indicates that you are performing SGA, you may not be considered eligible. The SSA sets specific dollar amounts that define what constitutes SGA. These amounts are generally updated annually.
How Earned Income Affects SSI Eligibility
While the SGA limits provide a clear threshold, not all of your gross earned income is counted against your SSI benefit. The SSA applies specific exclusions and deductions when calculating your "countable income," which can effectively allow you to earn more than the SGA limit before your SSI benefit is reduced or eliminated. However, to initially qualify for SSI, your gross monthly earned income must be below the relevant SGA limit.
