Understand When You No Longer Qualify for SSI

There are several reasons you might lose eligibility for SSI benefits:

• Improvement in Your Disability: If your medical condition improves and you can return to work, you may no longer meet the SSA’s definition of “disabled.”
• Exceeding Income or Resource Limits: SSI benefits are means-tested, meaning that if your income or resources exceed the SSA’s limits, you may no longer qualify. For 2025, the resource limit for individuals is $2,000 and for couples, it’s $3,000. If your income exceeds a certain threshold (for example, $1,000 per month), you could lose eligibility.
• Returning to Work: If you return to work and earn enough to be considered substantially gainful (i.e., your monthly earnings exceed the SSA’s income limits), you may no longer need SSI.
• Change in Living Situation: If your living situation changes—such as moving in with family or receiving other types of assistance—you may no longer meet the income and resource requirements.

Report Changes to the SSA

To get off of SSI, you must inform the Social Security Administration (SSA) of any changes to your financial or medical situation. If your condition improves, you return to work, or your income or resources increase, the SSA must be notified promptly. Failing to report changes can result in overpayments, which you’ll be required to repay.

Transitioning to Other Forms of Assistance

If you’re transitioning off of SSI, there are other programs that might be available to assist you, depending on your situation:

• Social Security Disability Insurance (SSDI): If you are able to work and have earned enough work credits, you may qualify for SSDI, which is based on your work history and contributions to Social Security.
• Work Incentives Programs: The SSA offers several work incentives for individuals who are trying to return to work. These programs allow you to earn income while still receiving SSI benefits for a period of time. Some of the work incentives programs include:
• Trial Work Period (TWP): If you return to work while receiving SSI, the Trial Work Period allows you to test your ability to work for up to nine months without losing your benefits.
• Ticket to Work Program: This program helps individuals with disabilities find employment and vocational rehabilitation services.

Contact Your Local SSA Office for Guidance

If you’re unsure about how to transition off of SSI, it’s important to contact the SSA directly. They can provide guidance on how your specific situation affects your eligibility and advise you on available programs. You can contact the SSA at 1-800-772-1213 or visit your local SSA office.

Be Aware of SSI Overpayment

If you continue to receive SSI benefits after you no longer qualify, you may be subject to an overpayment. The SSA may ask you to repay any benefits you received during a period when you were no longer eligible. This is why it’s essential to report any changes in your income, resources, or medical condition promptly.