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Social Security provides two different types of benefits: disability and retirement. Disability benefits (SSDI) help people who cannot work because of a medical condition. Retirement benefits provide monetary support to people who stop working when they reach retirement age.
Both programs are administered by the Social Security Administration (SSA), which uses your work history to decide if you qualify. You need to earn enough work credits to collect benefits from either program. The main difference is when and why you apply.
If you are applying because of a disability, you ask for SSDI. If you are applying due to your age, you ask for retirement benefits. Some people qualify for both, but not at the same time.
How SSDI Can Impact Your Retirement Benefits
If you get SSDI, it will not take away from your retirement benefits. In fact, SSDI pays you the same amount you would get at full retirement age. Once you reach that age, Social Security automatically switches your payments from disability to retirement. You do not need to do anything, and you will not get a higher or lower payment because of the switch.
The main benefit of SSDI is that you get your full benefit amount early, without the cut that comes with early retirement. So, getting SSDI before retirement age can help you keep more money in the long run, especially if you can’t work due to your health.
What Happens When You Reach Full Retirement Age on SSDI
When you reach full retirement age, Social Security automatically changes your disability benefit to a retirement benefit. You do not need to apply again or fill out new paperwork. Your monthly payment amount usually stays the same.
This change does not affect your taxes or Medicare coverage. You still get the same benefits, just under a different name. The only real change is how Social Security labels your payment. If you receive SSDI, your benefits continue without any break. If you want to keep track of your payments, you can check your account on the SSA website or speak with a local office.
Can You Receive Both SSDI and Retirement Benefits at the Same Time?
No. You cannot receive SSDI and retirement benefits at the same time for the same work record. Social Security only pays one benefit at a time. If you get SSDI, the program already pays you the full amount based on your record. You do not get extra money by applying for retirement benefits, too.
When you reach full retirement age, Social Security stops your SSDI benefits and starts your retirement benefits. The payment amount stays the same. If your spouse or someone else qualifies for benefits based on your record, they might get a separate payment. However, you can only get one type of benefit at a time.
Legal Help with Social Security and Retirement Claims
Applying for SSDI can feel confusing and frustrating, especially if Social Security denies your claim. A lawyer can explain your options and help you gather the proper documentation for your application. They can also help if you want to appeal a denial.
Some lawyers, including Justen Grech at Grech Law Firm, focus on SSDI claims and know how to deal with the Social Security system. They can take care of all the paperwork and speak for you at hearings. If you feel stuck or uncertain about how to move forward, talking to an attorney can help you understand your next steps.
Contact a Social Security Lawyer Now
If you have questions about Social Security Disability or retirement benefits, Grech Law Firm can help. Attorney Justen Grech will take the time to review your situation and explain your options. Your initial consultation is free. Contact our team now to get started.