The Supplemental Security Income (SSI) program is a vital financial safety net for millions of Americans. Managed by the Social Security Administration (SSA), SSI provides monthly payments to seniors, people with disabilities, and those with limited income and resources to ensure a basic standard of living.

While the program is a lifeline for many, strict eligibility requirements mean that even small changes in your circumstances can put your benefits at risk. Many recipients are unaware that their payments can be reduced, suspended, or even terminated if certain conditions are no longer met.

Here are the three main reasons your SSI payments could stop — and what you can do about it.

1. Earning Too Much Income

One of the most common reasons for losing SSI benefits is having income that exceeds the program’s limit. This could come from a part-time job, unemployment assistance, or financial support from friends or family. If your income rises above what SSI allows, your payments may be reduced or stopped altogether.

2. No Longer Meeting Age or Disability Criteria

SSI is designed for individuals over 65 or those with a qualifying disability. If you’re receiving benefits because of a medical condition and a new medical review finds that your health has improved, you may no longer qualify. Non-citizens who lose their legal residency status may also be disqualified.

3. Incarceration

If you are incarcerated for more than 30 consecutive days, your SSI payments will be suspended. Federal law prohibits SSI payments while you are jailed or in a public institution. However, benefits can typically be reinstated once you are released—if you still meet all other requirements.

Can You Get SSI Benefits Back?

In many cases, yes. SSI benefits can be reinstated if the reason for suspension is resolved. For example:

• If your payments stopped because of excess income, you can restore them by proving your income has fallen back within the acceptable range.
• If your benefits were stopped after a medical review, providing updated medical records could help get them reinstated.
• If you were incarcerated, you’ll need to reapply and meet eligibility requirements after your release.

Take Action Quickly

Timing matters. If your situation changes, it’s critical to notify the SSA as soon as possible to avoid long delays in reinstating your benefits.

SSI provides essential financial support, and losing it can have serious consequences. Staying informed, reporting changes promptly, and understanding the rules can help you keep your benefits—and your financial security—intact.