3 ways you can lose SSDI benefits after the SSA approves you

On Behalf of | Jun 5, 2024 | SSDI

After the Social Security Administration approves someone for Social Security Disability Insurance benefits, it can feel like a huge relief. These benefits provide financial support for those who cannot work due to a disability.

However, it is important to understand that SSDI benefits are not always permanent. Several factors can lead to losing these benefits.

1. Seeing medical improvement

A common reason for losing SSDI benefits is medical improvement. The SSA requires periodic reviews of each beneficiary’s condition. These reviews determine if the disability still prevents the person from working. If the SSA finds that a person’s medical condition has improved enough to work, it will stop the benefits. Regular doctor visits and proper medical documentation help ensure accurate assessments during these reviews.

2. Returning to work

Another way to lose SSDI benefits is by returning to work and earning above a certain amount. The SSA allows beneficiaries to work and still receive benefits through the Ticket to Work program and the Trial Work Period. However, if earnings exceed the substantial gainful activity threshold, benefits may cease. Staying informed about this limit helps prevent unintentional loss of benefits.

3. Reaching retirement age

SSDI benefits can also end when a person reaches full retirement age. At this point, SSDI benefits convert to Social Security retirement benefits. The amount usually stays the same, but it comes from a different program. Understanding this transition is important for planning financial stability. The SSA provides information on when this change will happen based on a person’s birth year.

By staying aware of these potential changes, individuals can better navigate their SSDI benefits and ensure continued support when needed.