As a person with a disability, you’ve likely relied on Social Security Disability (SSD) payments to help make ends meet. But when does Social Security Disability end, and what are your next steps?
When Does Social Security Disability End?
If you’re under full retirement age (between the ages of 62 and 67, depending on your birth year), your SSD benefits will end if you’re able to return to substantial gainful activity (earning more than a certain monthly amount from work). If you reach full retirement age while receiving SSD benefits, your payments will automatically convert to retirement benefits. However, if you continue to work and earn above the substantial gainful activity amount, your SSD benefits will end.
So, what can you do if your SSD benefits end or if you reach full retirement age and want to extend your disability payments?
File For An Extension
If you’re still unable to return to work, you can file for a continuation of your SSD benefits. This process is called a “review,” and it involves proving that your medical condition has not improved and that you’re still unable to work.
Try Work Incentives
The Social Security Administration offers several work incentives to help people with disabilities return to work while still receiving some benefits. For example, the Ticket to Work program provides access to employment services and support, while the Impairment-Related Work Expense (IRWE) deduction allows you to deduct certain expenses related to your disability from your earnings.
Consider Transitioning to Social Security Income (SSI) at Age 65:
If you reach full retirement age and your SSD benefits end, you may be eligible for SSI, which is a needs-based program for people with limited income and resources. To be eligible, you’ll need to meet certain financial requirements and have a disability that’s expected to last for at least one year.
Transitioning from SSD to SSI can be a big change, but there are resources available to help you make the transition. For example, the Social Security Administration’s Work Incentives Planning and Assistance (WIPA) program provides free, personalized assistance to help you understand the benefits and work incentives available to you.
Making the transition from SSD to SSI can be a challenging process, but with the right resources and support, it’s possible to maintain your financial stability.
Contact The Law Offices of Karen Kraus Bill
The end of your SSD benefits doesn’t have to signal the end of your financial support. Whether you’re able to extend your SSD payments, try work incentives or transition to SSI, there are options available to help you continue to live with dignity and security. Don’t hesitate to reach out to the disability attorneys at the Law Offices of Karen Kraus Bill for assistance.