Should I Take Social Security Benefits Or Ask For Disability?

Parmele Law FirmSocial Security

The Social Security Administration (SSA) is in charge of a host of programs designed to provide an income to retired workers, children and spouses, and disabled workers. Each program has its own set of rules and requirements and it is important to know which rules apply to your situation so you can make a choice about what type of benefits to seek. If you are disabled and cannot work, you should consider applying for both Social Security Disability Income (SSDI) and Supplemental Security Income (SSI). If you have reached retirement age, you need to look at taking your social security retirement benefits and also signing up for Medicare. These benefits will give you an income after you finish working, or if you become disabled. But what do you do if you are disabled when you reach retirement age? Is it possible to apply for retirement benefits and SSDI or SSI? And, if you do apply for both types of benefits, what are the chances of being approved for each? We’ll take a look at these questions below.

If you are too young to retire but cannot work due to a disability, the option available to you is to ask for SSDI benefits. The SSA does not pay retirement and SSDI benefits as the same time. It works like this:

• If you are approved for SSDI benefits before reaching the age of retirement, those benefits will automatically convert to retirement benefits when you do reach the right age.
• You should only apply for one type of benefit at a time, either disability or retirement benefits.
• If you apply for retirement benefits and SSDI benefits at the same time, only one form of benefit will be granted and the decision will depend upon your age. If you have not reached the age of retirement, you will be given SSDI benefits instead of retirement payments.

This is not to say your application will automatically be approved for disability if you are too young to retire, you do still have to prove your condition and meet other criteria. Among the criteria that is required is the work credit rule, and a showing that you are truly disabled. You will need to check your work history to be sure you have earned enough credits and you will need medical evidence to prove your disability. Most disability applications are denied the first time, but that does not mean you will never be given benefits. You can ask for a reconsideration, request a hearing, or even appeal the decision if you are still denied on reconsideration or at hearing. Be sure to talk to your doctor and let them know your plans, so your records are complete and make sense to the SSA. And, be sure to talk to a qualified attorney to make sure you do not miss important information when applying or so that you have excellent representation if you are seeking reconsideration, a hearing, or need to file an appeal.

Contact us online today for more information about SSDI and SSI benefits, how to apply, and what to do if you are denied. We can also be reached at 855-727-6353.