What is the maximum number of months you can accumulate work income above SGA without losing benefits during the grace period?

The grace period in the context of Social Security benefits typically refers to the time allowed during which a person can earn income without losing their benefits. In this case, when discussing the period during which an individual is allowed to earn above the Substantial Gainful Activity (SGA) level without immediately losing benefits, it is important to understand that this time frame is critical for individuals transitioning back into work.

The maximum number of months that an individual can accumulate work income above the SGA limit without losing their benefits is 3 months. This aligns with the rules established by the Social Security Administration, which provide that after a person has received a final month of benefits, they enter a grace period of three months where they can earn above the SGA threshold without any immediate effects on their benefit status. After this grace period, earnings will be assessed under the SGA guidelines, and if the earnings continue to exceed SGA levels in subsequent months, then benefits may be reduced or terminated.

Therefore, the correct answer is the option that indicates 3 months as the maximum duration for accumulating work income over the SGA without the loss of benefits during the grace period.