Can I Collect Ssdi if I Am Already on Social Security

In near cases, you cannot collect Social Security retirement and Social Security Disability Insurance (SSDI) at the same fourth dimension. Yous may, still, authorize for Supplemental Security Income (SSI) if yous see the strict fiscal criteria while drawing either Social Security retirement or SSDI benefits.

The Social Security Administration (SSA) created the SSDI program to bridge the gap between when someone must go out the workforce due to a disability and when they can draw retirement benefits. For this reason, there is only one way to collect both retirement and SSDI at the same time.

How do SSDI and Social Security Retirement Work Together?

SSDI pays out your full retirement benefits until you authorize to draw them under the traditional Social Security retirement scheme. Once you reach full retirement historic period based on the year you lot were born, the SSA will automatically start your retirement benefits and stop your SSDI payments.

The SSA allows y'all to file for retirement benefits as early equally age 62. You lot can also look and receive your full do good corporeality when you reach full retirement historic period. Depending on what year you were built-in, this may vary from 65 to 67 years erstwhile.

Filing for Early Retirement Benefits

For well-nigh people, it does non make sense to file for early retirement benefits at historic period 62 if you are already receiving SSDI considering of a inability. Your inability payments equal your total retirement amount, and those who opt for early retirement receive reduced benefits.

Imagine that, at age threescore, you lot suffer a back injury leading to a disability. You are approved for SSDI benefits, and yous begin drawing an amount equal to your total retirement amount. When you achieve age 62, nothing changes; you go on to describe your full SSDI amount.

Once you reach your full retirement age, the SSA swaps you from SSDI to traditional retirement benefits. However, this occurs automatically, and so you volition not come across a intermission in your benefits and do not need to do anything to ensure this happens.

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Do I Authorize for the Exception to This Rule? Can I Draw Both SSDI and Retirement?

There is one exception that allows qualified individuals to draw both retirement and SSDI benefits at the same fourth dimension, merely this is rare and still does not permit them to collect more than their full retirement benefit.

This occurs when someone opts for early retirement between age 62 and their full retirement age but is then approved for SSDI benefits. Some people set up themselves up for this past filing for early retirement afterward an injury or illness caused them to take to quit work. They tin begin receiving early on retirement to assist them cover bills until their SSDI merits receives approval and the waiting catamenia for those benefits expires.

Once this happens, they tin can begin receiving boosted money from the SSA each calendar month on acme of their early retirement benefits. This will bring them to their full retirement benefit corporeality. They are also most probable qualified for retroactive benefits, which will bring them to their total retirement amount for any calendar month they suffered a disability just were not yet approved for SSDI.

Drawbacks to Applying for SSDI and Retirement

This tin can backfire on some people, however. If you lot apply for early retirement but do not receive approval for your SSDI claim, you may be stuck cartoon a smaller amount of retirement for the rest of your life. If this happened to you, we may be able to assistance yous in appealing the SSDI denial. You have merely 60 days to file this appeal after receiving a observe nigh the SSA's determination, however, so contact us as before long equally possible after you lot receive a denial.

Can I Authorize for SSI While Collecting Social Security Retirement Benefits?

While you cannot collect Social Security retirement and SSDI at the same time to increase your benefits across the full retirement amount, there is a plan that may allow you to collect additional income.

SSI, which stands for Supplemental Security Income, is a Social Security programme that helps seniors and those with a disability who accept an extremely low income or limited avails. To qualify for SSI, you need to run across strict income qualifications and have only a minimum corporeality of resources. "Resources," as the SSA defines the term, tin can be anything that can be turned into cash, such equally:

• Bank accounts, stocks, or U.Southward. savings bonds
• Land
• Personal property; or
• A life insurance policy

Under this program, your retirement or SSDI checks count as unearned income. According to the SSA, the average retirement benefit in 2022 is $1,360 per month. However, many people receive well below this average.

To qualify for SSI, there is a 2022 limit of $755 per month on unearned income. The limit for couples is $i,123 per month. You lot also need to meet other financial qualifications to receive these benefits.

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How Can a Social Security Benefits Lawyer Assist Me?

A Social Security benefits lawyer can help you:

• Analyze your situation and decide what type of benefits you may qualify for; and
• Bank check your awarding before you apply

This may increase your chances of receiving approval for SSDI or SSI with your initial awarding and avoid the appeals process. Nosotros can too help you set for a hearing and assist you file an appeal if your application is not canonical.

The legal team at Berger and Greenish tin can answer your questions about Social Security benefits and assess your options for getting the income y'all need through these programs.

For example, imagine you are 62 years old. You cannot piece of work and are considering applying for early on retirement benefits. Past discussing your options with a disability lawyer, y'all tin can ameliorate empathize why you might want to apply for SSDI before you utilise for early retirement.

You Have a Correct to Have Someone Correspond You

The SSA advises that you have a correct to take someone correspond yous when you are doing business with the federal agency. This representative can exist an chaser or a not-attorney. However, when you hire an attorney, yous accept someone on your side who is working for you and understands how SSDI and SSI work.

Nosotros understand that toll is an important factor when considering hiring an attorney. We desire you to know that we cannot charge you a fee without getting written approval from the SSA first. Nosotros will make sure you understand all approved payment arrangements. When it is fourth dimension to pay us, our fee volition exist deducted from your back pay.

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How Can I Reach a Social Security Disability Attorney in the Pittsburgh Area?

At Berger and Greenish, we understand how complicated navigating the process to become the coin you need can seem. This is especially true when you are already stressed out because you are unable to piece of work and are unsure how you can continue to pay your bills or care for your family.

Let us help you determine which benefits you may authorize for and ensure yous get the benefits you deserve. Call united states of america today at 412-693-6278 to acquire more during a free consultation.

Call or text 412-661-1400 or consummate a Free Case Evaluation form

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Source: https://www.bergerandgreen.com/faqs/can-you-collect-social-security-and-disability-at-same-time/

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