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Would I still be eligible to receive Social Security benefits? A: The SSA defines the word disability as being unable to complete any substantial activity that will earn you a living. They determine substantial gainful activity according to the National Average Wage Index, which gives a dollar amount per month. The SSA considers an applicant to be working or employed at any time the that person "is the owner or part owner of a trade or business even if he or she does not actually work in the trade or business or receive any income from it. " The money your business makes may have an effect on your social security disability. The income you receive from your business, regardless of who runs it, may be considered substantial if it exceeds a determined SGA (or substantial gainful activity) level.