Navigating Social Security benefits can be confusing, especially when learning about the differences between Social Security Disability Insurance (SSDI) and Social Security retirement benefits. If you are struggling with a long-term disability and considering retirement, you may wonder: Can you receive both SSDI and retirement benefits at the same time? The answer is yes — but with some important caveats.
If you need assistance securing your benefits, The Law Offices of Jeffrey A. Rabin & Associates, Ltd. is here to help. With over 100 years of combined experience, our attorneys are dedicated to guiding Chicagoland residents through the complex Social Security system. Call us today at (847) 299-0008 for a free case evaluation.
Understanding SSDI vs. Social Security Retirement Benefits
SSDI and Social Security retirement benefits both provide financial support through the Social Security Administration (SSA), but they serve different purposes:
- Social Security Disability Insurance (SSDI): Designed for people who cannot work due to a disabling medical condition that is expected to last at least 12 months or result in death. Eligibility is based on work history and disability status.
- Social Security Retirement Benefits: Available to workers who have earned enough credits through their employment and have reached the minimum retirement age (currently 62). Full benefits are available at full retirement age (FRA), which varies based on your year of birth.
SSDI and Social Security retirement benefits have different work credit requirements, meaning some people may qualify for one but not the other.
How Receiving Both Benefits Works
If you qualify for SSDI, you will receive disability benefits until you reach your full retirement age. At that point, your disability benefits will automatically convert to Social Security retirement benefits, generally keeping the same payment amount.
However, in certain cases, you may receive both SSDI and Social Security retirement benefits:
- Early Retirement and SSDI: If you take Social Security retirement benefits before reaching full retirement age and later qualify for SSDI, your SSDI payment will replace your reduced retirement benefit. However, SSDI payments may be offset by the amount of early retirement benefits already received, which could affect the final total.
- Concurrent Benefits with Reduced Retirement: If you already receive early retirement benefits and then qualify for SSDI, you may receive both simultaneously. However, your total benefits will be adjusted so that your combined payments do not exceed your full SSDI amount.
- Supplemental Benefits (e.g., Widow’s Benefits): Some people may qualify for SSDI while also receiving another Social Security benefit, such as spousal benefits, if their spouse is deceased.
Delaying Retirement Benefits at Full Retirement Age
If you reach full retirement age while receiving SSDI, you have the option to withdraw your Social Security retirement benefit and delay taking retirement benefits. Doing so allows your benefits to grow through delayed retirement credits, potentially increasing your monthly payments when you choose to claim them later.
How The Law Offices of Jeffrey A. Rabin & Associates Can Help You
Understanding Social Security rules can be overwhelming, especially if you are dealing with a long-term disability. If you’re unsure about how SSDI and retirement benefits apply to your situation, speaking with our experienced disability attorney can make all the difference. We simplify the process, handle the paperwork, and fight to maximize your benefits. Our knowledgeable team can:
- Help you determine the best time to apply for benefits
- Assist with SSDI applications and appeals
- Represent you in hearings before the SSA
You don’t have to go through this process alone. Contact us online or call (847) 299-0008 today for a free case evaluation and get the support you need for a financially secure future.
