Understanding Substantial Gainful Activity (SGA) Limits

In Louisiana, the SSA sets an SGA limit that determines how much you can earn without losing SSDI benefits:

• Current SGA thresholds are updated annually by SSA.
• Earning above the limit generally results in cessation of benefits.
• SGA limits differ depending on your impairment and work status.

Trial Work Period (TWP) Explanation

The SSA offers protections allowing you to test your ability to work:

• TWP allows nine months of work where you can earn any amount without losing SSDI.
• This period helps you return to work without immediate termination of benefits.
• Months in the Trial Work Period must exceed a certain earning threshold to count.

Extended Period of Eligibility (EPE)

After the Trial Work Period, you enter the EPE:

• Lasts 36 months during which SSA reviews your earnings monthly.
• Benefits are paid only for months you earn under the SGA limit.
• If you earn over the limit, benefits may be withheld but can restart if earnings decline.

Reporting Work and Earnings

It is crucial to communicate with SSA about work activity:

• Prompt reporting of any work or income changes is required.
• Failure to report can result in penalties or benefit overpayments.
• Keeping documentation helps support your case if earnings fluctuate.

Possible Benefit Suspension or Termination

Your benefits at risk if:

• You consistently earn more than the SGA limit outside Trial Work Period.
• SSA finds you are engaging in gainful employment based on your income.
• Benefits may be suspended or stopped, but you could appeal or request reinstatement depending on circumstances.