Do disability benefits ever end?
In most cases, you will continue to receive benefits as long as you have a disability. However, there are certain circumstances that may change your continuing eligibility for disability benefits. For example, your health may improve or you might go back to work.
How long can I collect Disability Insurance benefits? You can collect up to 52 weeks of full Disability Insurance (DI) benefits, or the amount of wages in your base period, whichever is less.
The average duration of a long term disability is 2.5 years2, but remember – that's just an average. Some disabilities are shorter, but many are longer, so a 2-year benefit may not provide the reassurance you're looking for.
Most long-term disability plans provide coverage for 36 months, although some plans can provide coverage for up to 10 years or even for the life of the policyholder.
We call this review a continuing disability review (CDR). The law requires us to perform a medical CDR at least once every three years, however, if you have a medical condition that is not expected to improve, we will still review your case, once every five to seven years.
Permanent disability (PD) is any lasting disability from your work injury or illness that affects your ability to earn a living. If your injury or illness results in PD you are entitled to PD benefits, even if you are able to go back to work.
- Disability insurance can be expensive. Coverage costs more the older you get or the more dangerous your job is. ...
- Policies can come with exclusions that don't cover pre-existing conditions. ...
- Waiting period. ...
- If you never experience a disability, you won't receive benefits.
If you are collecting Social Security Disability Income (SSDI) benefits, you may wonder what happens when you reach full retirement age (FRA). The good news is, your benefits will automatically convert and for most people, your benefits remain the same.
Continue Your Benefits
If you are on automatic payment, you will receive a Disability Claim Continued Eligibility Questionnaire (DE 2593) after 10 weeks of payment. You must return this form to us to certify that your disability continues. Your benefits will stop if you do not complete and return the DE 2593.
Exceeding income or asset limits: By far the most common reason individuals lose their benefits is by having too much income. SSDI beneficiaries may lose their benefits if they experience an increase in income from any source that pushes them over the individual income or asset limit.
Does permanent disability mean forever?
If you have a permanent partial disability, you are eligible to receive the total amount of your PD benefits spread over a fixed number of weeks. If you have a permanent total disability, you are eligible to receive PD payments for the rest of your life.
To apply for SSA disability programs, you have the following options:
- Phone (1-800-772-1213)
- Online form.
- Visit a local Social Security Administration (SSA) office.