Anyone can face tough times after sustaining a disabling injury or health condition, making their Social Security disability insurance (SSDI) a vital resource. If an injured worker cannot make a living while recovering, they can rely on benefit payments to help them afford their basic needs and other medical necessities. But if this type of benefit takes effect after becoming unable to work, what happens if you return to your job? Do you lose your benefits?
Fortunately, you may keep your SSDI coverage as long as you have a disability. Even after finding work, you may still need financial assistance, especially if your condition requires regular and extensive medical treatments. However, the benefit payment terms can change based on the situation, considering the following factors:
- Duration of work – Social Security acknowledges that even if you can return to work, you may find it challenging to keep it, especially if you are suffering disability-related health issues. The agency has designated trial work periods that can vary based on the circumstances, spanning nine months to three years.
- Limitations on earnings – Benefit payment amounts follow limitations, usually depending on your earnings before your disability. After returning to work, the amount can vary significantly considering these limitations. You may lose coverage if your earnings exceed these limits.
Additionally, Social Security can finalize details of disability benefits from case to case. Sometimes, it can consider how much your expenses increased because of your disability, making it reasonable to raise the designated limitations on your earnings.
Addressing SSDI issues appropriately
Since many factors can affect your SSDI coverage, you should seek legal counsel to prepare for any issues. Legal guidance can help you address them appropriately and make informed decisions when facing roadblocks throughout the process.