If you have no other income besides earnings, you may earn up to $1,189 a month in 2003 before losing your entire federal SSI payment. But if you live in a state that adds money to your federal SSI payment, you may earn more. If you have other income, such as Social Security benefits, the amount you can earn before losing any payment may be lower. However, when you apply for SSI disability payments, we consider earnings of $800 or more an indication that you are able to do "substantial work" and you would not qualify for SSI on the basis of disability.