The federal government generally cannot stop Social Security payments, even during a government shutdown, as they are considered mandatory spending, not subject to annual funding appropriations. Benefits continue uninterrupted, though new applications and services may experience delays due to reduced staffing.
We want you to know that during the federal government shutdown, payments to all people who currently receive Social Security benefits and Supplemental Security Income (SSI) will continue with no change in payment dates. Your clients will still receive their payments on time.
Social Security is required to withhold money from benefits when the court sends us a garnishment court order. If you have questions about a garnishment deduction, please contact the court that made the decision. If the court updates the garnishment order, they will send Social Security an updated order.
The SSA monitors the work activity of beneficiaries and will stop payments if the individual is deemed able to engage in substantial gainful activity (SGA). For SSDI recipients, this generally means earning more than a set monthly amount, which changes annually.
Congress recently passed the Social Security Fairness Act (H.R. 82), signed into law in January 2025, which eliminates the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), ending benefit reductions for public servants (like teachers, police, firefighters) who also earned Social Security, ensuring they get the full benefits they've earned from both covered and non-covered work. While this major bill was enacted in early 2025, Congress also works on other related legislation, like potential bills concerning tax treatment or benefit calculation methods, but the Fairness Act is the most significant recent law.
The Democratic plans call for restoring solvency entirely by increasing revenue. The major Republican plans would restore solvency entirely by reducing benefits. Both parties have been reluctant to move Social Security legislation because doing so would come with political pain: raising taxes or cutting benefits.
Bush financed income tax cuts and the Iraq war by plundering money from Social Security.
No, the Social Security Administration (SSA) generally must provide you with advance written notice before cutting benefits, allowing time to appeal, but there are rare exceptions like recipient death; however, people sometimes discover cuts without receiving notice due to processing delays or issues, requiring them to check their online account or call SSA immediately to understand the change, which could stem from overpayments, Medicare premiums, or other adjustments.
The COLA was 2.5 percent in 2025. Nearly 71 million Social Security beneficiaries will see a 2.8 percent COLA beginning in January 2026. Increased payments to nearly 7.5 million people receiving SSI will begin on December 31, 2025.
The most common reasons include: Failing to report income from work – If you earn above certain limits and don't notify Social Security, you could lose or reduce your benefits. Changes in marital status – Getting married, divorced, or widowed can affect eligibility for certain benefits.
There are two ways the IRS may levy upon your Social Security benefits – via the automated Federal Payment Levy Program (FPLP) or by a manual (non-FPLP) levy.
The Viability of Benefits
Even in the unlikely event that Congress doesn't make further adjustments, and the trust fund portion becomes depleted, Social Security benefits won't vanish overnight. Benefits would be reduced but not eliminated entirely.
If you have any unpaid Federal taxes, the Internal Revenue Service can levy your Social Security benefits. Your benefits can also be garnished in order to collect unpaid child support and or alimony. Your benefits may also be garnished in response to Court Ordered Victims Restitution.
The bottom line. Social Security is a critical part of most people's retirement plans, but it isn't entirely immune to interruption. Working before full retirement age, changes in eligibility for specific benefits or having your benefits garnished or taxed can temporarily or permanently affect your payments.
How can you lose your Social Security benefits?
Remember, it is about how your condition affects your ability to work. If the Social Security Administration (SSA) believes your condition has improved enough to allow you to work or work more, they can stop your benefits.
You should contact a lawyer immediately. Social Security disability cessation cases which is where they're trying to cut you off can be appealed immediately. You also have the opportunity to keep your benefits during the period for which you are appealing the government's decision to cease your benefits.
We want you to know that during the federal government shutdown, payments to all people who currently receive Social Security benefits and Supplemental Security Income (SSI) will continue with no change in payment dates. You will still receive your payments on time.
President Reagan signed major bipartisan Social Security reforms in 1983, primarily to address funding shortfalls, which included making some benefits taxable, gradually raising the full retirement age to 67, and accelerating payroll tax increases; he also signed legislation restoring minimum benefits and increasing penalties for misuse of Social Security numbers.