man with disability benefits

What Causes Your SSD Benefits to End?

Collecting Social Security Disability (SSD) benefits can help those who are unable to work due to a condition or disease. Therefore the last thing that individuals with disabilities would want is for these benefits to come to a screeching stop. However, it’s important to understand that under certain situations they’ll be terminated.  

You Head Back to Work

SSD is intended for those who are unable to work, so when you return to work and begin making a certain amount of money, your benefits could be terminated.

In other words, if you earn over a certain amount of money, you would trigger what is called a trial work period. A trial work period lasts for nine months – although not necessarily in a row – over a period of 60 months. This allows the individual to attempt to work while he or she continues to receive the full amount of benefits as they have been. Once you have completed this period, any month in which you earn more than the Substantial Gainful Activity threshold you will not receive benefits. This threshold can change year-to-year. 

Your Income or Assets Exceed the Limit

When you have non-exempt assets, which total over $2,000 as a single claimant or over $3,000 as a married claimant, your benefits can also be terminated. This can include things such as:

  • Spouse’s income
  • Parental income
  • Free food or shelter
  • Certain assets

Your Medical Condition Gets Better

If you receive SSD benefits it’s because you have a qualifying disability that hinders your ability to work. Therefore if your condition improves and you’re no longer disabled, your benefits may be terminated. In order to ascertain whether you’re no longer considered disabled, the Social Security Administration (SSA) utilizes a Continuing Disability Review process, as like with taxes. If you receive a notification in the mail that your claim is under review, you are obligated to provide the SSA with documentation and relevant information regarding your recent treatments. Those whose condition is deemed improved will be notified of the last date of benefits although they can still appeal. 

Your Living Situation Changes

When you are incarcerated or institutionalized you are no longer paying for your living conditions. Therefore your benefits can be terminated. However, if you are able to show that you’ll be institutionalized for less than 3 months (90 days), you may still be able to maintain your benefits. But if you are convicted of specific felonies the SSA can terminate your benefits whether or not you’re incarcerated. 

Additionally, if you go into or leave an assisted living facility, nursing home, or other care center, it can cause the reduction or termination of benefits. 

You Reach the Age of Retirement

Once you reach the age of retirement and receive retirement benefits, you are no longer able to receive SSD at the same time. Currently the age of full retirement is 66 years. The good news is that any income that you make after reaching the age of full retirement will not reduce your benefits. 

The PA SSD Attorneys at Nikolaus & Hohenadel, LLP Can Help

When you are struggling with a disability that prevents you from working, you may not know what to do. Luckily, the attorneys at Nikolaus & Hohenadel, LLP can help. We understand the impact that a disability can have on your ability to make ends meet. That’s why we’re here to help you. To learn more, or to schedule a consultation, contact us today!