What Happens If Your Monthly Disability Payments Are Denied?

Monthly disability payments provide essential financial support for individuals unable to work due to physical or mental impairments. Understanding the duration of these payments is crucial for recipients, as it can significantly affect their long-term financial planning and overall quality of life. The length of time these payments last varies based on several factors, including the type of disability program, the recipient’s ongoing eligibility, and any changes in their circumstances.

Walker Firm, operating under the client-facing brand Casa de la Justicia, helps Spanish-speaking clients with their Social Security Disability Insurance (SSDI) claims. Based in Los Angeles, CA, and founded in 2022, we maintain a remarkable over 70% hearing win rate, surpassing the national average of 55%. With our robust media strategy, we attract over 2,000 clients annually. In addition, we partner with other local attorneys to ensure the thousands of injured Latinos that call us daily have access to experienced Spanish-speaking attorneys for all their needs, including worker’s compensation, auto accidents and slip and fall cases. For expert SSDI support and broader legal services, we are your go-to resource.

Types of Disability Programs

In the United States, the primary programs that offer monthly disability payments are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Each of these programs has different rules regarding the duration of payments.

  1. Social Security Disability Insurance (SSDI): SSDI payments continue as long as the recipient meets the SSA’s definition of disability. The SSA regularly reviews SSDI recipients’ cases to determine whether they still qualify for benefits. These reviews typically occur every three to seven years, depending on the severity Monthly Disability Payments in California of the impairment. For individuals with conditions that are expected to improve, the SSA may conduct more frequent reviews. If a recipient is found to have regained the ability to work or if their condition has improved significantly, SSDI benefits may be terminated. However, recipients have the right to appeal such decisions.
  2. Supplemental Security Income (SSI): Similar to SSDI, SSI benefits continue as long as the recipient meets the eligibility criteria regarding income, resources, and disability status. However, since SSI is need-based, any changes in financial circumstances can affect eligibility. If an SSI recipient’s income or resources exceed the program limits, their payments may be reduced or discontinued. Additionally, SSI recipients are also subject to periodic reviews to verify their continued eligibility.

Factors Affecting Duration of Payments

Several factors influence how long monthly disability payments last, including:

  1. Medical Condition: The nature and severity of the medical condition play a significant role in the duration of payments. Conditions that are expected to improve may lead to more frequent reviews and a higher likelihood of benefit termination.
  2. Work Activity: Engaging in substantial gainful activity (SGA) can affect eligibility. For SSDI recipients, earning above a certain threshold can result in the loss of benefits. Similarly, SSI recipients must report any changes in income or employment status, as this can impact their benefit amount or eligibility.
  3. Age: The age of the recipient can also influence the duration of benefits. For instance, individuals nearing retirement age may be less likely to have their benefits terminated, as the SSA considers their overall work history and life circumstances.
  4. Appeals and Reviews: If a recipient is notified that their benefits will be terminated or reduced, they have the right to appeal the decision. The appeals process can extend the duration of benefits while the case is under review.

Transition to Retirement Benefits

As recipients approach retirement age, SSDI benefits automatically convert to Social Security retirement benefits. This transition typically occurs at age 62, regardless of whether the individual is still classified as disabled. The amount of the retirement benefit is generally based on the recipient’s earnings history and may be equal to or higher than their SSDI benefits.

The duration of monthly disability payments varies based on multiple factors, including the type of program, ongoing eligibility, and individual circumstances. Understanding the rules governing these payments is vital for recipients to effectively manage their finances and plan for the future. Regular communication with the Social Security Administration, staying informed about any changes in circumstances, and understanding the appeal process can help individuals navigate the complexities of disability payments and ensure continued support as needed.