How Long Will My Social Security Benefits Last?
When you receive disability benefits, whether Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI), your payments are meant to last for as long as you need them to support yourself. However, because many people enrolled in these programs rely on them so heavily, it’s common to worry about how long your benefits might last.
If you want to know exactly how long you can expect to receive disability payments, it’s a good idea to learn a few of the ways your payments might cease. Learn how long your Social Security benefits will last, and find out how you can maintain your payments with the help of a local attorney.
Disability Length and Periodic Reviews
Generally, your benefits will remain in place for as long as your disability lasts. However, because not all disabilities are permanent, the Social Security Administration (SSA) will perform periodic reviews of your condition. This is known as a continuing disability review (CDR). Every few years, the SSA will contact to schedule a CDR, where they will check to see if you are still disabled and if you are expected to improve.
If your disability condition changes in between CDRs, you must report these changes to the SSA. This should be done even if it means the end of your benefits.
Ways Your Social Security Benefits May Be Stopped
There a few basic ways that your SSI or SSDI payments may be discontinued. As mentioned, the primary reason for no longer receiving Social Security benefits is that you are no longer disabled. However, this is not the only reason your benefits might stop.
For example, if you reach the retirement age, you will stop receiving SSI or SSDI and will begin receiving Social Security retirement benefits. Also, if you start earning more money than the income limits for either of these programs, you will no longer receive monthly payments.
Both disability programs, SSI and SSDI, have income limits that you must comply with to continue receiving payments. If you earn more than the limit for either program, your payments will cease.
For SSDI, there are two different income thresholds. If you receive SSDI and are not blind, then your monthly income limit is $1,170. Blind SSDI recipients have an income threshold of $1,950. Earning above these amounts is considered substantial gainful activity (SGA), and will result in the end of your SSDI payments.
Because SSI is meant for the extremely impoverished, the income limit is much lower than with SSDI. If you receive SSI payments, your benefits will stop completely once your monthly earnings reach $1,500. However, your payments will be reduced if your income reaches $710 a month.
Programs for Work
The SSA is committed to helping people get back to work, which is why there are programs that allow SSI and SSDI recipients to maintain their benefits while they seek regular employment.
If you’re enrolled in SSDI, you are allowed to work for nine months while still receiving your full benefits. After this trial period, the SSA will examine your earnings to see if they constitute gainful activity. If your earnings do qualify as SGA, you have a thirty-six-month period where you can receive payments for any month where you earn less than this threshold.
With SSI, there is a program known as a Plan for Self-Support (PASS). You will develop your PASS with the help of an SSA representative. While you are following your PASS, the income you earn won’t count towards your income threshold and your SSI payments will stay the same.
Seek Advice from a Legal Professional
It’s possible for your Social Security benefits to be suspended unfairly, and if this has happened to you, then you need legal representation from The Law Offices of Dr. Bill LaTour. The Social Security system is complicated, which is why our legal professionals are ready to help. We can examine your situation and help you get your benefits restored.
Contact us today for more information.