Thursday, June 16, 2022

Can You Receive Disability And Social Security Benefits

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Do I Qualify For The Exception To This Rule Can I Draw Both Ssdi And Retirement

How to Lose $30,000 of YOUR benefits from Social Security Disability!

There is one exception that allows qualified individuals to draw both retirement and SSDI benefits at the same time, but this is rare and still does not allow 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 themselves up for this by filing for early retirement after an injury or illness caused them to have to quit work. They can begin receiving early retirement to help them cover bills until their SSDI claim receives approval and the waiting period for those benefits expires.

Once this happens, they can begin receiving additional money from the SSA each month on top of their early retirement benefits. This will bring them to their full retirement benefit amount. They are also most likely qualified for retroactive benefits, which will bring them to their full retirement amount for any month they suffered a disability but were not yet approved for SSDI.

Health Resources For People With Disabilities

Federal, state, and local government agencies and programs can help with your health needs if you have a disability.

Visit USA.govs Government Benefits page to learn more about government programs and services that can help you and your family.

Ssdi In Comparison To Ssi

The majority of Americans receive Supplemental Security Income once they reach retirement age. It is aimed at individuals who have little to no retirement savings. Social Security Disability Insurance benefits are available to anyone who applies and meets certain criteria. Additional information is available here.

The Social Security Administration will require proof of your disability before you can apply for disability benefits. Additionally, the disability must meet their criteria. To file a claim, you must have been disabled for five consecutive months. However, individuals with ALS may begin immediately.

You may have to clear some hurdles in order to qualify for the benefit. If, however, your disability continues, you will not be removed from the program.

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Understanding Ssdi And Long

Social Security Disability Insurance, or SSDI, is a program offered through the Social Security Administration . It is available to individuals who cannot work for 12 months or longer due to a disability. In addition to qualifying under the SSAs definition of disability, applicants must have worked a certain amount of time and earned work credits to qualify for SSDI.

The amount of SSDI that you receive is based on your average lifetime earnings before you became disabled. It is not based on the severity of your disability. When you qualify for Social Security disability, you may receive a lump sum payment to cover the back benefits from your disability onset date.

By contrast, long-term disability benefits are paid by a private insurance company. An individual may have LTD insurance through their employer, or by purchasing their own policy. A person who cannot work due to a disability can make an LTD disability claim after a waiting period, which is usually approximately 6 months after the disability began.

LTD benefits are calculated based on a percentage of your monthly salary. Typically, your benefits will be 50 to 60% of your salary. These benefits may last for a set amount of time, until your disability has resolved, or through retirement age.

Information For Healthcare Professionals

Can I apply for disability benefits if my spouse is working?

The SSA has a ME/CFS-related fact sheet for healthcare professionals. The fact sheet, Providing Medical Evidence for Individuals with Myalgic Encephalomyelitis/Chronic Fatigue Syndrome pdf iconexternal icon, explains the definition of disability and what SSA needs from doctors when evaluating disability in patients with ME/CFS.

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How Does A Person Qualify For Ssi

In addition to meeting the disability criteria , an SSI enrollee must meet several non-medical criteria, including having a low income. SSA has complex rules for determining financial eligibility. In general, income is anything received in cash, earned or unearned, that can be used to meet a persons need for food or shelter.17 Income is countable except for some limited amounts that are disregarded.18 Income also includes in kind support, such as any food or shelter provided or paid by another person. In kind support generally is valued at one-third of the maximum federal benefit amount.19 SSA also deems a portion of income from a persons spouse or parent/step-parent as countable income.20 To financially qualify for SSI, a persons countable income cannot exceed the maximum federal benefit rate , and the amount of SSI that a person actually receives is the maximum federal rate reduced by the amount of their countable income.21 These rules apply to SSI enrollees of all ages.

Figure 4: SSI Disability Determination Process for Adults

Figure 5: Disability and SSI Status of Nonelderly Adults with Medicaid, 2019

Figure 6: SSI Application Allowance Rate for Medical Decisions by Adjudicative Level, 2018

Can I Get Ssi And Social Security Disability Benefits At The Same Time

Yes, you can qualify for SSI and SSDI benefits at the same time. However, your SSDI payments must be low enough to justify the approval of SSI benefits.

For example, if your SSDI payment is less than the SSI maximum threshold, you might qualify for a small SSI payment. If you qualify to receive SSI and SSDI benefits at the same time, the SSA labels this type of arrangement as concurrent benefits.

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Adults Disabled Before Age 22

An adult who has a disability that began before age 22 may be eligible for benefits if a parent is deceased or starts receiving retirement or disability benefits. We consider this a “child’s” benefit because it is paid on a parent’s Social Security earnings record.

The disabled “adult child” including an adopted child, or, in some cases, a stepchild, grandchild, or step grandchild must be unmarried, age 18 or older, have a disability that started before age 22, and meet the definition of disability for adults.


It is not necessary that the disabled “adult child” ever worked. Benefits are paid based on the parent’s earnings record.

  • A disabled “adult child” must not have substantial earnings. The amount of earnings we consider “substantial” increases each year. In 2021, this means working and earning more than $1,310 a month.

Working While Disabled: How We Can Help

Can You Collect Ssdi And Short

Can you work if you are receiving Social Security Disability benefits?

Yes. If you have a short-term disability plan, then you can collect both SSDI and short-term disability benefits. However, because short-term disability benefits are typically limited in time, you will likely have received the full amount of benefits before you are approved for SSDI benefits.

Importantly, while SSDI is limited to people whose disabilities are expected to last 12 months or longer or be terminal you can apply before you have been out of work for 12 months. In this way, you may receive both short-term disability and SSDI benefits at the same time. If you have questions, reach out to a disability benefits lawyer in New Jersey for a free claim review.

Also Check: How To Find Out My Current Social Security Benefits

Contact The Attorneys At Ryan Bisher Ryan & Simons For A Free Consultation

If all this seems confusing, be aware that Social Security disability law is complex and fraught with inconsistencies. Rarely are two cases alike.

Dont go it alone. Draw on the knowledge and one-on-one personal attention of law firm partner Philip Ryan. He has successfully handled SSDI and SSI claims for almost 30 years, including more than 3,000 SSDI hearings. Relax knowing he wont back down.

How Long Will Social Security Disability Benefits Last

Submitted by Kyle on Wed, 11/24/2010 – 11:01Kyle’s BlogLog in

Many people are under the mistaken assumption that Social Security Disability benefits last forever. This isn’t necessarily the case. While many people will receive Social Security Disability benefits until they reach the retirement age of 65, not everyone will. For those who do receive Social Security Disability benefits until age 65, Social Security benefits will not just stop altogether. They will simply change from Social Security Disability benefits to Social Security Retirement benefits. There are, however, some instances in which a Social Security Disability beneficiary will have their disability benefits stopped prior to reaching the age of 65.

Why Social Security Disability Benefits End

There are a number of reasons why Social Security Disability benefits would be revoked after being instated. The most common reasons for a stop in Social Security Disability benefits are improvement of one’s disabling condition, incarceration, or a return to work. How long you receive Social Security Disability benefits will be determined by whether or not these factors come into play and, if so, when. For example, someone could begin receiving Social Security Disability benefits in 2010 and those benefits could go under review in 2013. If the Social Security Administration decides that the person is no longer disabled, the benefits could stop.

How to Keep Your Social Security Disability Benefits in Effect

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Benefits For Disabled Widows Or Widowers

If something happens to a worker, benefits may be payable to their widow, widower, or surviving divorced spouse with a disability if the following conditions are met:

  • The widow, widower, or surviving divorced spouse is between ages 50 and 60.
  • The widow, widower, or surviving divorced spouse has a medical condition that meets the definition of disability for adults and the disability started before or within seven years of the worker’s death.

Widows, widowers, and surviving divorced spouses cannot apply online for survivors benefits. However, if they want to apply for these benefits, they should contact Social Security immediately at 1-800-772-1213 to request an appointment

To speed up the application process, complete an Adult Disability Report and have it available at the time of your appointment.

We use the same definition of disability for widows and widowers as we do for workers.

Receiving Ssi Benefits While Overseas

Can You Qualify for Both SSI and SSDI Monthly Benefits?

SSI benefits will cease for a citizen or legal resident once he or she is outside the U.S. for 30 days. The SSA will start paying SSI again once the person has been back in the U.S. for 30 days.

An exception to this is the children of military personnel receiving SSI. Military children who leave the U.S. because of their parents military service will not have their SSI payments stopped. In terms of SSI payments, out of the country includes Puerto Rico and inside the country includes the Northern Mariana Islands.

Read Also: How To Find Out My Current Social Security Benefits

Important Things To Keep In Mind About Disability Benefits

Here are a few things to keep in mind about disability benefits whether living overseas, planning to live overseas, or staying in the U.S.:

  • One should alert the SSA if moving, whether inside or outside of the country.
  • A non-citizen who changes immigration or citizen status should alert the SSA.
  • Once outside the country 30 consecutive days in a row, the SSA considers that living out of the country. The SSA considers out of the country to mean a person is not in any of the 50 states nor in the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands or American Samoa. Alert the SSA in this case.

Can You Lose Disability Benefits If You Inherit Money

If you are receiving Social Security Disability benefits and receive an inheritance or other windfall, it could affect your benefits. However, it depends on the type of benefits you are receiving. The Social Security Administration administers two disability programs: Social Security Disability Insurance and Supplemental Security Income . How an inheritance impacts your benefits will depend on whether you are receiving SSDI benefits or SSI.

In most cases, if you are receiving SSDI, your benefits will not be affected by an inheritance. However, because SSI is a needs-based benefits program, any economic windfall, including an inheritance, could decrease or eliminate your monthly payments. If you anticipate an inheritance and are receiving disability benefits, contact our West Chester Social Security Disability attorneys immediately.

Many people depend on Social Security Disability benefits. Navigating the application process and ensuring you continue to receive the benefits you deserve is challenging. With decades of experience, the attorneys and staff at Young, Marr & Associates are available to assist you with any Social Security benefits question or problem. Call 515-2954 in Pennsylvania and 557-3081 in New Jersey to schedule a free appointment.

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How Long Can You Stay On Long

The length of your long-term disability payments depends on your LTD plan. Many LTD policies payout for a limited period of time, such as 2, 5, or 10 years. Others offer disability payments through retirement age.

However, if you qualify for SSDI, you will receive disability benefits for as long as you remain unable to work due to your disability. If you have questions about SSDI or LTD benefits, reach out to a New Jersey disability benefits lawyer.

Effect On Other Benefits

Can You Collect Both Social Security Retirement and Disability Benefits?

The upper age limit means that people with health problems or disabilities that emerge only after they have reached State Pension Age cannot get help through the benefits system for mobility needs. It also means that they are unable to access other benefits linked to receipt of the DLA or PIP mobility component, including the Motability scheme and exemption from Vehicle Excise Duty.

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Filing For Early Retirement Benefits

For most people, it does not make sense to file for early retirement benefits at age 62 if you are already receiving SSDI because of a disability. Your disability payments equal your full retirement amount, and those who opt for early retirement receive reduced benefits.

Imagine that, at age 60, you suffer a back injury leading to a disability. You are approved for SSDI benefits, and you begin drawing an amount equal to your full retirement amount. When you reach age 62, nothing changes you continue to draw 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, so you will not see a break in your benefits and do not need to do anything to ensure this happens.

For a free legal consultation, call

Disability Benefits For Veterans

You may be eligible for disability benefits if you’re on disability from your service in the Canadian Armed Forces or Merchant Navy.

You may get social assistance payments from:

  • your province or territory
  • your First Nation

These payments will depend on your household income, savings and investments.

You may also be eligible for health-related benefits from your province or territory. These benefits may include benefits that help cover the cost of:

  • medications
  • medical aids or devices

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How Has The Covid

Working people with disabilities experience disproportionate job loss, compared to workers without disabilities, during economic downturns,39 and SSI applications generally increase when the unemployment rate increases . This trend held during the Great Recession and subsequent economic recovery.40 One exception to the general trend is the period from 2003 to 2007, when SSI applications continued to rise despite falling unemployment.41 Possible explanations for this anomaly include factors such as the lagged effect of federal welfare reform leading TANF enrollees to switch to SSI and persistently high poverty rates.42 The same study also found that the likelihood of applying for SSI significantly increases during extended periods of high unemployment.43

Figure 7: Percent change in SSI Applications Filed by Adults Ages 18-64 and U.S. Unemployment Rates, 1991-2019

Can You Apply For Disability If You Already Receive Ss

How a Caregiver Can Help Their Loved One Qualify for ...

I am 68 years old and have COPD, CAD Coronary Heart Disease, PAD Peripheral Artery Disease and have 13 arterial stents. I receive SS and Medicare and have PAAD. My income from work is $368.00 gross every two weeks. I do not qualify for food stamps or any other benefits except a once a year lump sum payment on my electric bill.Everyone I know is nagging me to apply for Disability and when I say I already receive SS they tell me I can receive both. I don’t believe I can. That is why I am writing to you, so that I can tell them once and for all that you get one or the other, not both.

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Whats The Difference Between Disability And Retirement

First up, lets talk about the difference between disability and retirement benefits. Both are administered by the Social Security Administration , and both are programs designed to provide financial assistance to Americans who can no longer work. Both programs also have specific requirements beneficiaries must meet in order to qualify for benefits.

If You’re Not Sure Why You Received A Payment

If you receive a check or direct deposit payment from the Treasury Department and do not know what its for, contact the regional financial center that issued it.

If you received a check, look for the RFCs city and state at the top center. Then contact that RFC to find out which federal agency authorized the payment. It will be one of these:

If you received payment byelectronic funds transfer , or direct deposit, follow the directions under Find Information About a Payment.

Use the Treasury Check Verification System to verify that the check is legitimate and issued by the government.

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