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Can I Get Early Retirement and Disability Benefits?

Can I Get Early Retirement and Disability Benefits?

Jeff Martin Sept. 21, 2023

If you're approaching post-employment age or considering applying for disability benefits, you may wonder if you can receive both retirement and disabled individuals' benefits simultaneously. The answer to this question is more than a simple yes or no, as it depends on various factors and circumstances. Let's explore the intricacies of receiving both Social Security Disability Insurance (SSDI) and Social Security retirement benefits.

The Two Program Distinctions

Before we delve into the details, it's essential to understand the distinctions between SSDI and retirement benefits. SSDI provides income support for individuals whose medical condition meets the SSA's definition of a disability and who have paid into the Social Security system through taxes.

On the other hand, retirement benefits are payments you receive when you reach the eligible age to conclude your employment journey. Also, individuals must have accumulated sufficient work credits to meet the eligibility criteria for these benefits.

Receiving Both SSDI and Retirement Benefits

1. Approaching Retirement Age: If you are already receiving SSDI payments and reaching full retirement age (FRA), typically 67, you will automatically transition from receiving disability to retirement benefits. However, the total amount you receive each month will remain the same. You will continue to receive the disability benefit amount, but it will be classified as retirement benefits.

2. Early Retirement and Disability Application: Some individuals choose to take early retirement, available as early as age 62. If you take early retirement and apply for disability benefits before reaching FRA, you could receive both payments for the same period.

However, it does not result in double gain, just a combination of benefits to bring you up to your full entitled amount. It's also important to note that Social Security will evaluate your eligibility and calculate your benefits based on your work history and disability entitlement date.

3. Disability Entitlement Prior to Early Retirement: If you were entitled to disability benefits before you took early retirement, your disability payments will remain unchanged. You will continue to receive the same amount in disability aid each month as if you had not chosen to take early retirement payments at all.

The payments will continue as usual, and any difference between your full retirement and disability benefit amount will be paid retroactively to ensure you receive your complete entitlement. Once you reach the FRA, you will receive your full benefit amount without any reduction.

Seek Professional Advice

Navigating the complexities of Social Security benefits, especially regarding disability and retirement, can be challenging. It's crucial to seek professional advice from the Law Offices of Jeff Martin for more expert advice on your question, "Can I get early retirement and disability benefits?".

Our skilled Social Security attorney in Tulsa, Oklahoma, can thoroughly evaluate your situation, determine your eligibility, and guide you through the application process. Call our law firm in Tulsa, Oklahoma.