Social Security Disability Insurance (SSDI) provides critical financial support for millions of Americans who are unable to work due to a disability. However, changes in circumstances or specific actions can lead to the termination of these benefits. As we move into 2025, it’s essential for SSDI recipients to be aware of situations that might result in losing their benefits. Here’s what you need to know.
Situations That Could Lead to Loss of Benefits
- Returning to Work
- If you resume work and earn more than the Substantial Gainful Activity (SGA) threshold—$1,470 per month in 2025 for non-blind individuals and $2,460 for blind individuals—you may no longer qualify for SSDI benefits.
- The SSA provides a Trial Work Period (TWP), allowing recipients to test their ability to work for up to nine months while still receiving benefits. However, exceeding SGA levels after this period can lead to termination.
- Medical Improvement
- SSDI recipients are subject to Continuing Disability Reviews (CDRs) to assess their medical condition. If the SSA determines that your condition has improved to the point where you can return to work, your benefits may stop.
- Failure to Provide Requested Information
- The SSA requires documentation to verify ongoing eligibility. Failure to respond to requests for information or attend scheduled medical evaluations can result in benefit suspension or termination.
- Incarceration or Legal Issues
- Benefits are suspended if you are convicted of a felony and incarcerated for more than 30 days. Certain other legal situations, such as outstanding warrants, can also affect eligibility.
- Exceeding Resource Limits (SSI Recipients)
- If you receive Supplemental Security Income (SSI) in addition to SSDI, exceeding the resource limit of $2,000 for individuals or $3,000 for couples can lead to the loss of SSI benefits.
Protecting Your Benefits
To ensure you remain eligible for SSDI:
- Keep Records Updated: Notify the SSA of any changes in income, medical condition, or living arrangements.
- Participate in Reviews: Cooperate fully during Continuing Disability Reviews or any SSA inquiries.
- Understand SGA Thresholds: Monitor your earnings if you decide to return to work.
Preparing for 2025
With potential legislative and policy changes on the horizon, it’s essential to stay informed about updates to the SSDI program. Consider consulting a disability attorney or advocate if you’re unsure how specific actions might affect your benefits.
For more details on SSDI eligibility and updates, visit the Social Security Administration.
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