If you’re relying on Social Security Disability Insurance (SSDI), you might wonder how long these benefits will last. Understanding the duration of SSDI is crucial to managing your long-term financial security.
Initial qualification and review process
Once you qualify for SSDI, you will receive benefits as long as your medical condition prevents you from working. The Social Security Administration (SSA) will review your case periodically to assess your condition, and the frequency depends on:
- Medical Improvement Expected (MIE): You’ll get a review every six to 18 months.
- Medical Improvement Possible (MIP): These reviews happen every three years.
- Medical Improvement Not Expected (MINE): The SSA will review it every five to seven years.
Factors influencing the duration of benefits
Your SSDI benefits depend on your medical condition, age, and compliance with treatment. If your condition improves and you can return to work, your benefits may cease. On the other hand, if your condition remains unchanged, you will likely continue to receive benefits. Age can also influence reviews, as those nearing retirement age may experience fewer reviews.
Impact of returning to work
Returning to work can affect your SSDI benefits. The SSA offers a Trial Work Period (TWP) that allows you to test your ability to work while still receiving benefits. During the TWP, you can work for nine months without losing benefits.
After the TWP, an Extended Period of Eligibility (EPE) allows you to work for 36 months with benefits available for any month your earnings do not exceed the SSA’s Substantial Gainful Activity (SGA) level of $1,550 per month for non-blind individuals and $2,590 for blind individuals.
A journey of adaptability
Regular communication with the SSA and understanding the review process can help you navigate the complexities of SSDI. By staying informed and adaptable, you can make the most of your benefits while planning for the future.
