20 C.F.R. § 404.1584
Evaluation of work activity of blind people.
Cite as 20 C.F.R. § 404.1584 (2026)
(a)
General.
If you are blind (as explained in § 404.1581), we will consider the earnings from the work you are doing to determine whether or not you should be paid cash benefits.
(b)
Under Age 55.
If you are under age 55, we will evaluate the work you are doing using the guides in paragraph (d) of this section to determine whether or not your work shows that you are doing substantial gainful activity. If you are not doing substantial gainful activity, we will pay you cash benefits. If you are doing substantial gainful activity, we will not pay you cash benefits. However, you will be given a period of disability as described in subpart D of this part.
(c)
Age 55 or older.
If you are age 55 or older, we will evaluate your work using the guides in paragraph (d) of this section to determine whether or not your work shows that you are doing substantial gainful activity. If you have not shown this ability, we will pay you cash benefits. If you have shown an ability to do substantial gainful activity, we will evaluate your work activity to find out how your work compares with the work you did before. If the skills and abilities of your new work are about the same as those you used in the work you did before, we will not pay you cash benefits. However, if your new work requires skills and abilities which are less than or different than those you used in the work you did before, we will pay you cash benefits, but not for any month in which you actually perform substantial gainful activity.
(d)
Evaluation of earnings
—(1)
Earnings that will ordinarily show that you have engaged in substantial gainful activity.
We will ordinarily consider that your earnings from your work activities show that you have engaged in substantial gainful activity if your monthly earnings average more than the amount(s) shown in paragraphs (d)(2) and (3) of this section. We will apply §§ 404.1574(a)(2), 404.1575(c), and 404.1576 in determining the amount of your average earnings.
(2)
Substantial gainful activity guidelines for taxable years before 1978.
For work activity performed in taxable years before 1978, the average earnings per month that we ordinarily consider enough to show that you have done substantial gainful activity are the same for blind people as for others. See § 404.1574(b)(2) for the earnings guidelines for other than blind individuals.
(3)
Substantial gainful activity guidelines for taxable years beginning 1978.
For taxable years beginning 1978, if you are blind, the law provides different earnings guidelines for determining if your earnings from your work activities are substantial gainful activity. Ordinarily, we consider your work to be substantial gainful activity, if your average monthly earnings are more than those shown in Table I. For years after 1977 and before 1996, increases in the substantial gainful activity guideline were linked to increases in the monthly exempt amount under the retirement earnings test for individuals aged 65 to 69. Beginning with 1996, increases in the substantial gainful activity amount have depended only on increases in the national average wage index.
Table I
Over
In year(s)
$334
1978
$375
1979
$417
1980
$459
1981
$500
1982
$550
1983
$580
1984
$610
1985
$650
1986
$680
1987
$700
1988
$740
1989
$780
1990
$810
1991
$850
1992
$880
1993
$930
1994
$940
1995
$960
1996
$1,000
1997
$1,050
1998
$1,110
1999
$1,170
2000
[45 FR 55584, Aug. 20, 1980, as amended at 48 FR 21939, May 16, 1983; 65 FR 42786, July 11, 2000]
- Cross-references to the CFR
- 404.1574404.1581