can you draw disability and social security

In well-nigh cases, you cannot collect Social Security retirement and Social Security Disability Insurance (SSDI) at the aforementioned time. You lot may, even so, qualify for Supplemental Security Income (SSI) if y'all encounter the strict financial criteria while drawing either Social Security retirement or SSDI benefits.

The Social Security Administration (SSA) created the SSDI programme to bridge the gap between when someone must exit the workforce due to a disability and when they can draw retirement benefits. For this reason, there is just 1 way to collect both retirement and SSDI at the aforementioned time.

How do SSDI and Social Security Retirement Work Together?

SSDI pays out your full retirement benefits until you qualify to depict them under the traditional Social Security retirement scheme. In one case y'all achieve total retirement historic period based on the year you were born, the SSA volition automatically start your retirement benefits and cease your SSDI payments.

The SSA allows you lot to file for retirement benefits equally early equally age 62. Y'all can likewise wait and receive your full benefit amount when you accomplish full retirement age. Depending on what year you were born, this may vary from 65 to 67 years former.

Filing for Early Retirement Benefits

For most people, it does non make sense to file for early retirement benefits at age 62 if you lot are already receiving SSDI because of a inability. Your disability payments equal your total retirement amount, and those who opt for early retirement receive reduced benefits.

Imagine that, at age 60, y'all suffer a dorsum injury leading to a disability. You are canonical for SSDI benefits, and you brainstorm drawing an amount equal to your full retirement amount. When you reach historic period 62, naught changes; you continue to draw your full SSDI amount.

One time you reach your total retirement age, the SSA swaps you from SSDI to traditional retirement benefits. All the same, this occurs automatically, and then you volition non see a break in your benefits and do not need to do annihilation to ensure this happens.

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Do I Qualify for the Exception to This Dominion? Can I Draw Both SSDI and Retirement?

There is one exception that allows qualified individuals to depict both retirement and SSDI benefits at the same time, but 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 only is then approved for SSDI benefits. Some people fix themselves up for this by filing for early retirement after an injury or affliction caused them to take to quit work. They can begin receiving early retirement to assistance them embrace bills until their SSDI claim receives approval and the waiting menstruum 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 probable qualified for retroactive benefits, which will bring them to their total retirement amount for whatever month they suffered a disability but were not notwithstanding approved for SSDI.

Drawbacks to Applying for SSDI and Retirement

This can backfire on some people, all the same. If y'all employ for early retirement but do not receive approval for your SSDI claim, yous may be stuck drawing a smaller amount of retirement for the rest of your life. If this happened to you, we may exist able to help you in highly-seasoned the SSDI deprival. Y'all take just 60 days to file this appeal afterward receiving a observe about the SSA's decision, still, so contact us as soon every bit possible after yous receive a denial.

Can I Qualify 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 beyond the full retirement corporeality, there is a program 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 assets. To authorize for SSI, you need to come across strict income qualifications and have but a minimum amount of resource. "Resources," as the SSA defines the term, can be anything that can be turned into cash, such equally:

Bank accounts, stocks, or U.S. savings bonds
Land
Personal belongings; or
A life insurance policy

Under this plan, 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 beneath this average.

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

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How Can a Social Security Benefits Lawyer Assist Me?

A Social Security benefits lawyer tin can aid yous:

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

This may increase your chances of receiving approval for SSDI or SSI with your initial awarding and avoid the appeals process. Nosotros can also assistance you prepare for a hearing and assist you file an entreatment if your awarding is not approved.

The legal squad at Berger and Green tin answer your questions about Social Security benefits and assess your options for getting the income you lot need through these programs.

For example, imagine you are 62 years onetime. You cannot work and are considering applying for early retirement benefits. Past discussing your options with a inability lawyer, yous can better understand why you might want to apply for SSDI earlier you apply for early retirement.

Yous Take a Right to Have Someone Represent You

The SSA advises that you take a right to have someone represent you when yous are doing business with the federal agency. This representative tin can be an attorney or a non-chaser. However, when you hire an chaser, y'all accept someone on your side who is working for you and understands how SSDI and SSI work.

We sympathize that cost is an important factor when considering hiring an chaser. We desire you to know that we cannot accuse you a fee without getting written approval from the SSA beginning. Nosotros will make sure y'all sympathise all approved payment arrangements. When it is time to pay us, our fee volition be 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 Light-green, we sympathise how complicated navigating the process to go the money you need can seem. This is peculiarly true when you are already stressed out because you are unable to piece of work and are unsure how yous tin go on to pay your bills or care for your family.

Allow us help you lot determine which benefits you may qualify for and ensure y'all go the benefits yous deserve. Call us today at 412-693-6278 to learn more during a gratis consultation.

Call or text 412-661-1400 or complete a Gratuitous Case Evaluation grade