Does Receiving Retirement Benefits Affect SSI/SSDI?

Parmele Law FirmSocial Security

Workers that stay on the job until retirement age (usually 65, depending on certain factors) are typically eligible to receive social security benefits. The amount paid to you each month is based upon your work history. The amount you get each month is calculated by averaging the highest 35 years of earnings you made during your working life. The determination of benefits can become complicated by other factors, such as becoming disabled and/or working less than 35 years. For people without a full 35 years of work history, the Administration will enter 0 for those years and thus the average income will drop. If you are unable to work due to disability this hardly seems fair, which is why you need to partner with a competent social security attorney to make sure you are not short changed.

If you are receiving disability payments and reach the full age of retirement, your benefits will change from SSDI to social security retirement payments. Some things to consider:

  • If you are over 62 you may be able to get social security retirement benefits on top of your SSI, but you must have paid into social security to be eligible.
  • Private retirement accounts are not affected by payment of SSI or SSDI benefits.

It may also be possible to take disability benefits retroactively, if you have learned you qualified for disability but instead took an early social security retirement. You will need to prove when the disability began and may need to ask for a “disability freeze” so that your benefit amount is correctly calculated. Because both social security and SSDI payments are based on your income, you will want to be sure that any low earnings amounts are not counted towards your benefit amounts. These adjustments in amount can impact both the amount of SSDI and social security retirement benefits you are eligible to receive. We understand the need for maximum benefits when you are no longer working, so you have the funds you need to pay the bills. Let us put our experience to work for you and fight for every type of benefit you are entitled to, in the maximum amount.

If you have questions about how to combine social security disability benefits with other social security payments, call an experienced attorney for help. Contact us online today for more information. We can also be reached at 855-727-6353.