You have just been approved for Social Security Disability (SSDI) benefits, which means you can finally let out a long sigh of relief. You couldn’t be happier that the process is over, especially if you had to go through the appeal process. But now the next question is, “Will I continue to receive these payments indefinitely, or will they stop at some point in the future?”
The fact is that you’ll receive SSDI benefits as long as you remain sufficiently disabled. In other words, as long as your disability prevents you from working, you are eligible to continue receiving benefits.
The following are three separate occasions when SSDI benefits stop:
- When you are no longer disabled – If your disability is no longer severe or debilitating enough to prevent you from working, your benefits will end. For example, if you qualified for disability due to cancer but you have made a complete recovery, then your benefits will likely stop.
- When you reach the age of retirement – When you reach 65 years old, your SSDI benefits stop. However, you automatically start to receive Social Security retirement benefits instead, where you are paid the same amount you earn each month from SSDI.
- When you earn too much income – There are specific limits on the amount of money you can earn when receiving SSDI or SSI (Supplemental Security Income).
The U.S. Social Security Administration (SSA) will perform reviews—known as continuing disability reviews (CDRs) of your case periodically to determine whether you are still eligible for disability benefits. In general, CDRs occur every few years, although the time period in between reviews depends on the severity of your impairment and the likelihood that your condition will improve, which should be stated when you expect your initial review. You are required to report any changes in your condition to the SSA, even if those changes lead to the end of your disability benefits.