At Disability Law Group, we understand that Social Security Disability Insurance (SSDI) is a critical resource for those unable to work due to a disability. Keeping your benefits intact requires staying informed about eligibility rules, compliance requirements, and potential risks of suspension or termination. This guide provides valuable insights into the reasons SSDI benefits may be suspended or terminated, the appeals process, and proactive measures to safeguard your financial security.
Understanding SSDI Benefits Suspension or Termination
SSDI benefits can be suspended or terminated for various reasons. Understanding these factors can help you take necessary steps to protect your benefits and maintain financial stability.
1. Exceeding Substantial Gainful Activity (SGA) Limits
The Social Security Administration (SSA) sets annual earning limits, known as Substantial Gainful Activity (SGA). In 2025, the SGA limits are:
- Non-Blind Individuals: $1,620 per month
- Blind Individuals: $2,700 per month
If you earn above these thresholds, your SSDI payments may be suspended or terminated. Monitoring your earnings and consulting with a disability attorney can help you stay within SSA guidelines.
2. Medical Improvement
SSA conducts periodic Continuing Disability Reviews (CDRs) to determine if your medical condition still qualifies you for benefits. If they find that your condition has improved enough to engage in substantial gainful activity, your benefits may be discontinued. Regular medical visits and detailed records from your healthcare provider are essential in demonstrating continued disability.
3. Failure to Provide Requested Information
If SSA requests information or documentation regarding your case, failing to respond can lead to a suspension of benefits. Continued non-compliance for 12 consecutive months may result in permanent termination. Keeping your contact information up to date and responding promptly to SSA inquiries can prevent unnecessary disruptions.
The SSDI Appeals Process
If your SSDI benefits are unfairly suspended or terminated, you have the right to appeal. Our experienced disability attorneys can guide you through the process to help secure the benefits you deserve.
1. Reconsideration
The first step is to request reconsideration within 60 days of receiving notice. A new reviewer will evaluate your case, and submitting additional medical evidence can improve your chances of success.
2. Administrative Law Judge (ALJ) Hearing
If your reconsideration request is denied, you can request a hearing before an Administrative Law Judge (ALJ). This hearing allows you to present your case, provide new evidence, and have witnesses testify on your behalf. Legal representation is highly recommended to strengthen your case.
3. Appeals Council Review
If the ALJ’s decision is unfavorable, you can request a review by the Social Security Appeals Council. They will assess whether the ALJ made an error in applying the law. If an error is found, they may return the case for further review or issue a new decision.
4. Federal Court Review
As a last resort, you can file a lawsuit in federal district court. This is a formal legal process, and having an experienced disability attorney is critical to effectively present your case.
Proactive Measures to Prevent Suspension or Termination
At Disability Law Group, we encourage SSDI recipients to take proactive steps to avoid benefit interruptions.
1. Monitor Your Earnings
Keep track of your income to ensure it stays within SSA’s limits. If you plan to return to work, familiarize yourself with SSA’s work incentive programs that allow you to test your ability to work without immediately losing benefits.
2. Maintain Regular Medical Consultations
Consistent medical care is essential not only for your health but also for maintaining detailed records of your disability. These records provide critical evidence during SSA reviews.
3. Respond Promptly to SSA Communications
Failure to respond to SSA requests in a timely manner can lead to unnecessary benefit suspensions. Keep an open line of communication and ensure SSA has your current contact information.
4. Seek Professional Guidance
Navigating SSDI regulations can be overwhelming. Consulting with a knowledgeable disability attorney can help you avoid common pitfalls and ensure you remain compliant with SSA guidelines.
Protect Your Rights
Losing SSDI benefits can be a devastating financial setback, but by staying informed and proactive, you can protect your rights. If your benefits have been suspended or terminated, Disability Law Group is here to help. Our dedicated team specializes in SSDI claims and appeals, ensuring that you receive the financial support you deserve. Contact us today for a consultation and let us advocate for you.
