If you're living with a disability in South Carolina and unable to work full time, you may be counting on Social Security Disability Insurance (SSDI) to provide the support you need. But qualifying for SSDI isn’t just about your medical condition—it also depends on your income.

How much can you earn and still be eligible? What types of income count against you? And are there any exceptions?

At McChesney & Ours, P.C., we help individuals across South Carolina understand how SSDI works—especially when it comes to income limits. Here’s what you need to know.

How SSDI Income Limits Work

SSDI is a federal program, but it applies to residents of South Carolina just the same. It’s designed to help people who can no longer work due to a disability. To qualify, the Social Security Administration (SSA) will check whether you’re engaging in what they call Substantial Gainful Activity (SGA). That’s where income limits come into play.

In 2024, the SGA income limit is:

  • $1,550/month for most individuals
  • $2,590/month for individuals who are legally blind

If you’re earning more than the monthly limit from working, the SSA typically considers you not disabled under their rules, regardless of your medical condition.

What Counts as Income for SSDI in South Carolina?

When applying for SSDI, it’s important to know what the SSA looks at. They mainly consider:

  • Wages from a job
  • Self-employment income
  • Bonuses and commissions

These are all earned income—and they’re what the SGA limit applies to.

But what about other income like:

  • Rental income
  • Dividends or investments
  • Government benefits (other than SSDI or SSI)?

Those are usually considered unearned income and generally don’t count toward the SGA limit. However, they may still impact other types of benefits (like Supplemental Security Income or Medicaid), so it’s important to disclose everything during your application.

Are There Any Exceptions to the Income Limits?

Yes—and these exceptions can make a big difference.

Trial Work Period (TWP): If you’re already receiving SSDI, the SSA allows you to test the waters and try working for up to 9 months without losing your benefits. During this time, you can earn more than the SGA limit.

Impairment-Related Work Expenses (IRWE): If your disability requires special tools, transportation, or other out-of-pocket work-related expenses, the SSA may deduct those costs from your income when calculating SGA. That can help keep your countable income below the limit.

Subsidized Employment: In some cases, if your employer pays you more than the value of the work you’re actually able to do (out of goodwill or as part of a special program), the SSA may consider only part of your wages when evaluating your eligibility.

Why Legal Help Matters

The rules around SSDI income limits can be confusing—and unfortunately, mistakes can lead to denied benefits. At McChesney & Ours, P.C., we help people across South Carolina understand their rights, file strong applications, and appeal denials when necessary.

If you’re not sure how your income affects your SSDI claim—or you’re already facing a denial—we’re here to help.

Talk to a South Carolina SSDI Lawyer Today

Understanding the income limits for Social Security Disability in South Carolina is the first step toward securing the benefits you need. Don’t let confusion or paperwork stand in your way. Contact McChesney & Ours, P.C. today to schedule a consultation with an experienced SSDI attorney. We’ll help you make sense of the system—and fight for the support you deserve.