Understanding Substantial Gainful Activity (SGA)

When returning to work in New Jersey, it’s important to note:

• SGA limits are monthly earnings thresholds set by SSA; exceeding them can affect benefits.
• In 2024, the SGA limit is $1,470 per month for non-blind individuals.
• Salaries below this level usually do not lead to benefit termination.

Trial Work Period (TWP)

The SSA provides a safety net with:

• TWP allows up to 9 months of work activity while keeping full benefits.
• Each month you earn above a threshold counts as a trial work month.
• It helps you test your ability to sustain employment without immediate benefit loss.

Extended Period of Eligibility (EPE)

After the TWP ends, there is:

• 36 months during which benefits continue if your earnings fall below SGA.
• This period prevents an abrupt end to benefits if your work is inconsistent.

Reporting Requirements

It’s crucial to:

• Report any return to work and changes in income to the SSA promptly.
• Failure to report can result in overpayments or penalties.

Work Incentives and Support Programs

New Jersey residents can benefit from:

• SSA’s work incentives that encourage employment without immediate benefit loss.
• Programs like Ticket to Work that provide vocational rehabilitation and employment services.

Possible Cessation of Benefits

Be aware that:

• Consistently earning above SGA beyond the TWP and EPE will generally result in stopping SSDI benefits.
• You can request a reinstatement of benefits if work ends within five years and certain criteria are met.