How to avoid losing disability benefits?
By Hogan Smith
Updated 04/18/2025
Disability benefits are a crucial financial lifeline for those who are unable to work due to illness or injury. However, there are common mistakes and misunderstandings that can jeopardize your benefits. Here’s how you can protect your disability benefits and ensure they continue without disruption.
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Stay On Top of Your Continuing Disability Reviews (CDRs)
The Social Security Administration (SSA) conducts Continuing Disability Reviews (CDRs) to determine if you still meet the qualifications for benefits. To avoid losing your benefits:
- Respond promptly to all SSA review requests.
- Ensure that your medical records are up to date and accurately reflect the severity of your condition.
- If your condition has improved, make sure to inform the SSA, but also be prepared to provide documentation showing why you still meet disability criteria.
Report All Changes to the SSA
Failing to report changes in your circumstances can lead to the loss of benefits:
- Report income changes immediately if you're working part-time or earn additional income. Earnings above the Substantial Gainful Activity (SGA) level could cause your benefits to stop.
- Update your contact information to ensure you don’t miss important notices or requests from the SSA.
- Notify the SSA about any changes in your living situation, such as moving or changes in household income.
Follow Your Doctor’s Treatment Plan
The SSA and other disability programs require that you follow a prescribed treatment plan for your condition. Missing medical appointments or failing to comply with treatment could suggest that your condition is no longer severe enough to warrant benefits. To stay compliant:
- Keep regular doctor’s appointments and follow prescribed treatments.
- If you’re unable to attend appointments, keep a record and reschedule as soon as possible.
- Make sure your doctor’s records reflect your ongoing disability and limitations.
Avoid Returning to Work Prematurely
If you're receiving Social Security Disability Insurance (SSDI), you may lose benefits if you return to work and earn above the SGA threshold. While you can use programs like the Trial Work Period (TWP) to test your ability to work without losing benefits, it’s important to be aware of the rules:
- Track your earnings and make sure they don’t exceed the SGA limit unless you’re in a TWP.
- Consult with the SSA before returning to work to ensure that you’re not unintentionally jeopardizing your benefits.
Understand How Income Affects SSI Benefits
If you're receiving Supplemental Security Income (SSI), your benefits are directly tied to your financial situation. Changes in income, whether from work or other sources, could affect your eligibility. To avoid losing SSI:
- Report income changes immediately, including from side jobs, gifts, or other forms of support.
- Be aware of the asset limits for SSI. If your savings or assets exceed the limit, you may lose eligibility.
Know What to Do If Your Benefits Are Stopped
If your benefits are stopped or reduced, you have the right to appeal the decision. To protect yourself:
- Keep copies of all correspondence with the SSA or VA to track important deadlines and requirements.
- File appeals or requests for reconsideration promptly if your benefits are stopped, especially if there’s been a mistake or misunderstanding.
Consult with a Disability Attorney
If you’re worried about losing your benefits or need help understanding the rules, a disability attorney can help you navigate the system and:
- Ensure you follow all reporting and procedural requirements.
- Represent you in appeals or disability reviews.
- Help you keep your benefits intact during medical reviews or other changes in your situation.
How Hogan Smith Can Help
At Hogan Smith Disability Law, we help clients avoid mistakes that can lead to losing their benefits. Whether you’re applying for benefits or facing a review, we’re here to ensure your rights are protected.
Contact Hogan Smith Today
Don’t risk losing your benefits. Contact Hogan Smith today for a free consultation and let us help you stay on track.
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