Register for social security is not easy, but once you have overcome all the bureaucratic obstacles, you should start receive benefit checks every month. After those Social security benefits Or Additional security insurance checks become part of your monthly budgetyou don't want to lose them.
If you are actively receiving Social Security benefits, you should be aware of circumstances that could cause your Social Security checks to be terminated or suspended. Below are the top four actions that can cause you to lose your Social Security benefits and whether or not you can reinstate them afterward.
To find out more, find out how much Social Security benefits will increase in 2025 And how to apply for social security benefits for eligible children.
If your income changes, you could lose Social Security benefits
While you can still work and receive social security benefitsIf you start earning more than the annual income limit, your benefits may be reduced or completely suspended in certain situations. THE limits change depending on certain factorsfor example if you are under 62 or over the minimum retirement age.
Below is an overview of the income limits imposed on specific benefits.
What are the limits of supplementary security income?
Eligibility for SSI generally requires that you earn less than $1,971 per month from your job. The limit is increased for couples, but if you exceed this limit, you may no longer be eligible for SSI. You must be informed of any reduction in benefits or if you become ineligible due to reaching the income limit.
Note: For every $2 you earn from your job, $1 will be reduced from your SSI payment. Working includes any job you have. You are required to promptly report changes to your monthly income and your living situation.
What are the income ceilings to benefit from Social Security disability insurance?
SSDI recipients have more ways to work when it comes to earning money through their work. If you get a job while receiving SSDI, you will be able to keep your benefits for up to nine monthswhich the Social Security Administration calls a “work trial period.” For 2024, any month you earn more than $1,110 in gross pay will count toward this nine-month trial period. Note that the months do not have to be consecutive, but over a rolling five-year period. During these nine months, there is no limit to the amount you can earn and still maintain your benefits.
After your work trial period, you will enter an “extended eligibility period” of 36 months. During this time, if you exceed the EPE income limit, you will not be eligible for your SSDI payment for that month. In 2024, the EPE cap is $1,550 per month or $2,590 for disability due to blindness.
If you continue to earn above the limit after your EPE ends, your SSDI payments will stop completely, but if you can't continue working, you can restart your benefits.
Resource limits could also impact your Social Security
In addition to an income ceiling, to be entitled to SSI, you must fall under what the administration calls a “resource limit. “Resources that TO DO Countable toward the limit are cash, bank accounts, stocks, mutual funds, U.S. savings bonds, land, life insurance, personal property, vehicles, and anything else you possess that could be turned into cash and used for food or shelter, the administration said.
Resources that do not count include the house you live in and the land it is on, a vehicle (if you or a member of your household uses it for transportation), household goods and personal effects, and life insurance policies with a combined face value of $1,500 or less.
To qualify, the SSI resource limit is $2,000 for an individual and $3,000 for a couple. If you exceed this limit, you must spend your resources to be eligible. According to a recent Center study on budget and policy prioritiesAn average of 70,000 recipients lose their benefits each year because they exceed the ceiling. Congress proposed a bill it would, for example, increase the limit to $10,000 for individuals and $20,000 for married couples, but so far no changes have been enacted into law.
Divorce Can Change Your Social Security Status
Your marital status can and will affect your Social Security benefits, including divorce. Certain things would prevent you from receiving benefits from your ex-spouse:
- You haven't been married for 10 years or more.
- If you remarry, you will not be able to receive the benefits of your previous marriage. This may change if your current marriage ends in divorce, annulment, or the death of your partner.
- You are eligible for benefits and the amount you would receive would be higher than that of your ex-spouse.
You can lose Social Security if you are arrested or sentenced to prison
If you go to jail or prison, your Social Security benefits may be affected. If you are incarcerated for more than 30 days, the administration may suspend your Social Security and SSI benefits.
Social Security and Social Security Disability Insurance During Incarceration
If your benefits are suspended, you can request to have them reinstated for the month following your release from jail or prison. It should be noted that even if your benefits are suspended while you are incarcerated, your spouse or children will continue to receive them as long as they remain eligible.
Supplemental Security Income
While you are incarcerated, your SSI benefits will be suspended, but payments will resume when you are released and you will not have to wait until the following month. Your payment amount will be determined by your release date and will only constitute a partial payment.
If you are in jail or prison for more than 12 consecutive months, the administration will terminate your SSI benefits. Once you are released, you will need to contact the Social Security Administration and start a new application.
To find out more, don’t miss the Social Security payment schedule and the Medicare Changes in 2025 You Should Know About.
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