Social Security Disability Insurance benefits provide essential financial support if you cannot work due to a disability. However, the Social Security Administration can stop providing these benefits in certain circumstances.
It is important to understand when and why you might suddenly stop receiving benefits from the SSA.
Medical improvement
The SSA grants SSDI benefits to individuals who are unable to engage in substantial gainful activity because of a disabling condition. If your medical condition improves, making it possible for you to return to work, the SSA may discontinue your benefits. The SSA conducts Continuing Disability Reviews to assess whether a person’s condition has improved. If evidence shows significant improvement, the benefits may end.
Returning to work
SSDI recipients have the option to work, but only under certain conditions. If a person earns above the substantial gainful activity limit, the SSA may stop benefits. In 2024, the SGA limit is $1,550 per month for non-blind individuals and $2,590 for blind individuals. The SSA provides a trial work period that allows recipients to test their ability to work without immediately losing benefits. However, if income consistently exceeds the SGA limit after this period, the benefits will likely stop.
Reaching retirement age
When an SSDI recipient reaches full retirement age, typically between 66 and 67, their benefits automatically convert to Social Security retirement benefits. The amount received usually remains the same, but the nature of the benefits changes.
Failure to comply with SSA requirements
Failure to cooperate with SSA reviews or provide necessary medical evidence can result in a loss of benefits. Recipients must attend scheduled medical examinations and respond to SSA requests for information. Failure to comply with these requirements could cause benefits to end.
SSDI benefits can be a valuable safety net, but changes in your situation can lead to a discontinuation of benefits. Be sure to keep an eye on your condition and maintain SSDI compliance to ensure ongoing eligibility.
