While in most instances, those people who are approved for Social Security disability will continue to receive their benefit check for many years to come, there are matters that can give rise to your Social Security disability benefits to be terminated. If you’re applying for Social Security disability, or are currently receiving Social Security benefits, it’s important to be aware of what could make your disability benefits stop.
When Returning to Work Can Terminate Your Disability Payments
Because Social Security’s definition of disability includes an inability to work due to medical disabilities, working while receiving incapacity can raise red flags with Social Security.
Recipients of SSI will lose benefits if their income or assets exceed the SSI eligibility thresholds. In 2017, the limitation is $735 per month for countable income, while the limit for assets is $2,000. Not all income from work counts toward the income limit, however (in fact, the SSA dismisses over half of your wages when counting your income). But some “in kind” income, like free home or food, does count against the limitation, and keep in mind that some portion of spousal income and resources will be “deemed” to the SSI beneficiary.
People receiving SSDI are let one nine-month trial work period (TWP) to experiment with working while still drawing their full monthly benefits. In 2017, monthly gains over $840 will activate a trial work period month. The nine months happen over a 60-month period, but the months do not need to be successive. Once you have exhausted the nine months of your TWP, you’ll no longer receive disability benefits for any month you earn over the Substantial Gainful Activity brink ($1,170 in 2017).
If a child receives SSI benefits because of a handicap, the SSA will run a re-determination of qualification when the child turns 18. During the redetermination period, the SSA will continue to pay benefits to the child. The SSA will review the records of the nearly 18-year old to see whether the kid is eligible to keep receiving disability benefits, reviewing the case under adult disability standards.
If a child received benefits predicated on a parent’s eligibility (due to the parent’s disability or death), those benefits may cease when the child turns 18. But if the little one is disabled, those benefits can continue (see our post on receiving incapacity as an adult child). Or, in the event the kid is a full-time pupil, the payments may continue until the kid is nineteen.
The SSA will send a notice when it’s time in order for it to make a redetermination of benefits. The receiver must respond to the notice, or benefits may be discontinued. If the SSA determines the child isn’t qualified for adult disability benefits, the conclusion can be appealed.
Substantial Work Activity
Your Social Security Disability benefits may be placed at risk if you start making money while receiving Social Security Disability benefits. When on Social Security Disability, you can get up to $720 each month without your benefits being changed. If, however, you make more than $1,000 per month the Social Security Administration will consider it to be significant income. At that stage, your benefits may be in danger.
Should you make a substantial income while receiving Social Security Disability benefits, your benefits will not be stopped instantaneously. There is a nine-month trial work period in which you may keep your Social Security Disability benefits while earning income. After you have got a considerable income for a total of nine months from a sixty-month interval, your Social Security Disability benefits will be discontinued.
It’s possible for you to work and receive SSD benefits under certain circumstances. You cannot, nevertheless, work above a level the SSA considers large. Working at or above a substantial or gainful employment amount will induce your SSDI and/or SSI benefits eventually to stop.
Should you work part time and below the degree of what the SSA considers considerable, this will not cause your advantages to quitting, but nevertheless, it might cause them to fall. This really is especially true should you receive SSI benefits because SSI is a demand-based program designed especially to supply support to people with very small financial resources.
If you plan to attempt to return to work full time, you must tell the SSA in advance. They will provide you a bit of leeway in your work attempts. This enables you to continue receiving benefits though it may cause your own monthly benefit amounts to vary during your work efforts.
Medical Advancement (SSI & SSD)
In the event the medical or psychiatric condition(s) that make you disabled enhance, the SSA could find that you’re no longer disabled, making your benefit payments stop. This employs the same in both SSD and SSI claims.
Briefly, the SSA periodically reviews the case of all beneficiaries (usually in 3 or 7-year increments) to determine if they are still handicapped. These continuing disability reviews are usually less strict than the standards used when applying for impairment, and most disability beneficiaries continue to get benefits after their review.
Reaching Retirement Age (SSD)
Social Security disability beneficiaries who reach full retirement age will see their disability benefits cease since you Can’t receive both Social Security disability benefits and Social Security retirement benefits at the same time. Will instead receive payments under the Social Security retirement benefits plan.
Marital Status or Family Income
If you get married, the SSA must review the income and assets of your brand-new spouse. The same is true in case your partner becomes disabled and starts receiving SSD or a different form of public disability benefits. Under some conditions, family income can affect several SSD payments as well, like when a kid gets disability benefits through SSI and their parent’s income or assets change.
The Bottom Line
Most individuals who are receiving Social Security Disability don’t need to worry about their benefits being rescinded or revoked unless their condition improves and they’re capable of going back to work. If at any moment, the Social Security Administration does determine to revoke your Social Security Disability benefits, you might want to hire a Social Security Disability lawyer to assist you with the appeal procedure. Appropriate representation can increase your own chances of appealing the decision and continuing your Social Security Disability benefits.