Step 1: Identify the Reason for the Termination

The Social Security Administration (SSA) may stop SSDI benefits for several reasons:

• Medical Improvement: SSA believes your condition has improved to the point you can work again.
• Returning to Work: You’ve earned income above the Substantial Gainful Activity (SGA) level, which in 2025 is $1,550/month (or $2,590 if blind).
• Failure to Cooperate: You missed scheduled medical reviews or didn’t provide requested information.
• Administrative Errors: Incorrect reporting or clerical mistakes can trigger a stop in benefits.
• Incarceration or Change in Immigration Status: These can also result in suspension or termination.

Step 2: Review Your SSA Notice

SSA is required to send you a formal Notice of Cessation, explaining:

• The reason your benefits are ending
• The date of termination
• Your rights to appeal
• Any deadlines for response

Don’t ignore this letter. It includes critical deadlines and instructions for protecting your rights.

Step 3: File an Appeal Immediately

If you disagree with the decision, you have the right to appeal. In North Carolina, you must act quickly:

• You have 60 days from the date on your notice to file an appeal
• You must file within 10 days to request that your benefits continue during the appeal process (called “payment continuation”)
• Appeals begin with a Request for Reconsideration, followed by a possible hearing

Filing early gives you a better chance of keeping your payments during review.

Step 4: Request a Continuation of Benefits (If Applicable)

If SSA is ending your benefits due to medical improvement, you may qualify for continued payments during your appeal—but only if you file within 10 days of receiving the notice. This can help keep you financially stable during the appeals process.

Step 5: Gather Supporting Evidence

Your appeal should include:

• Updated medical records proving your condition hasn’t improved
• Doctor statements showing you still can’t perform substantial work
• Any new diagnoses or complications that impact your ability to work
• Documentation showing your earnings are below SGA, if income is the issue

The stronger your supporting evidence, the higher your chances of winning your appeal.