Medical issues that impact someone’s ability to work can put them in a very vulnerable position. Those who apply for Social Security Disability Insurance (SSDI) benefits often need immediate financial help. A health issue or injury has rendered them incapable of supporting themselves, and they still have cost-of-living expenses to cover.
SSDI benefits can help people pay mortgages and buy groceries. They are a crucial safety net for people left unable to work because of major medical issues. Those who successfully apply for SSDI benefits can count on receiving monthly payments from the Social Security Administration (SSA). When will someone’s SSDI benefits likely end?
When they return to work
Qualifying for SSDI benefits generally requires medical evidence that someone has a condition that completely prevents them from working. There will be careful scrutiny of their application and medical records to ensure their condition is sufficiently severe to qualify. Even major medical issues may improve with treatment or rest. Someone who improves to a point where they can pursue gainful employment again will likely lose their benefits. Of course, a well-paid job will offer far more financial support for an individual and their loved ones than an SSDI check would, so many people are happy to see their benefits end when their condition improves enough for them to resume working.
When they reach retirement age
Disability benefits are only available to someone who would work if they weren’t dealing with a major health challenge. Those who are past the age of retirement may not be able to continue receiving SSDI benefits. The SSA oversees both SSDI benefits and other disability benefits for those who cannot work and retirement benefits for those who have ceased to work. When someone reaches the age of retirement, which is currently 65 years of age, he will no longer be eligible for SSDI benefits. However, they will be able to start receiving Social Security retirement benefits. There are a few other scenarios, including when someone’s disability directly relates to a substance abuse disorder, that may trigger an earlier cessation of benefits.
Understanding how long one can count on receiving SSDI benefits could make it easier for people to plan for their financial futures after developing a disabling medical condition.