11/06/2025
When you apply for Social Security Disability Insurance (SSDI), the SSA focuses on your earned income, things like wages, self-employment income, bonuses, and commissions. These determine whether you meet the Substantial Gainful Activity (SGA) limit.
Other income, such as rental earnings, dividends, or government benefits, is typically considered unearned income and doesn’t count toward the SGA limit, but it can still affect programs like SSI or Medicaid. That’s why it’s important to be open about all your income sources when applying.