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Q: I own a business, but do not run it myself. Would I still be eligible to receive Social Security benefits? A: As defined by the Social Security Administration, disability is the "inability to engage in any substantial gainful activity. " 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.