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What is Substantial Gainful Activity (SGA)?

We use the term “substantial gainful activity” to describe a level of work activity and earnings.

Work is “substantial” if it involves doing significant physical or mental activities or a combination of both. For work activity to be substantial, it does not need to be performed on a full-time basis. Work activity performed on a part-time basis may also be SGA.

Gainful work activity may include:

  • Work performed for pay of profit
  • Work of a nature generally performed for pay or profit
  • Work intended for profit, whether or not a profit is realized