8 Ways You Risk Losing Your Social Security Benefits

Taking Retirement Too Early

While you might hit full retirement age somewhere between 66 and 67, you can begin receiving Social Security benefits up to five years earlier.

Earning Too Much Before Full Retirement Age

If you're at or beyond normal retirement age, you can work a job and still receive your full retirement Social Security benefits.

You Remarry Before Age 60

Remarriage after age 60 doesn't affect one's eligibility for survivors benefits, regardless of whether they are a surviving spouse or a surviving divorced spouse.

Your Child Turns Age 16

Let's say you're under age 60 and have no disability, but you and your (ex) spouse had a child or other dependent minor. Assuming the child doesn't have a disability, once they turned 16, you would no longer receive survivors benefits.

Exceeding Monthly Earning Limits

When you start working, you will enter a "trial work period." During the trial work period, you will receive full Disability benefits.

Your Health Improves

So, by law, Social Security must review cases occasionally to verify a person still has a disability, and the frequency of these reviews is based on the chances of a medical condition improving.

You Reach Full Retirement Age

By law, a person cannot have both SSDI and Social Security retirement benefits on one's earnings record at the same time. Once a person reaches full retirement age, Disability benefits automatically change to retirement benefits.

You're Incarcerated

Typically, Social Security Disability Insurance isn't payable for any months a person is imprisoned in jail, prison, or certain other public institutions, for committing a crime.

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