Can you collect social security retirement and disability at the same time?

Social Security offers two main sources of benefits: disability and retirement benefits. Each has different requirements.

The SSA allows you to file for retirement benefits as early as age 62, or wait and receive your full benefit amount when you reach full retirement age. Depending on what year you were born, this may vary from 65 to 67 years old. 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.

You can not collect social security retirement and social security disability at the same time. 

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.

This can backfire on some people, however. If you apply for early retirement but do not receive approval for your SSDI claim, you may be stuck drawing a smaller amount of retirement for the rest of your life. If this happened to you, we may be able to help you in appealing the SSDI denial. You only have 60 days to file this appeal, however, so contact us as soon as possible after you receive a denial.

If you become disabled after filing early for retirement benefits, you may be able to change to Social Security Disability Insurance (SSDI). Similarly, if you retire early but belatedly discover that an existing condition might have qualified you for a higher disability benefit, you may be able claim it retroactively.

Because disability claims take months, even years longer to process than retirement claims, some people who turn 62 with significant health issues apply for both benefits at once, so as to have some Social Security income while awaiting an SSDI decision. If your disability application is approved, you will get a higher benefit (though not necessarily your full retirement benefit) and a retroactive payment.

If you need helping applying for Social Security Disability or SSI, please contact me at joshben99@gmail.com. I have over 20 years experience with Social Security Disability cases.

Location: Michigan, USA

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