Can you receive Social Security retirement and disability benefits at the same time?

In most cases, you cannot collect Social Security retirement and Social Security Disability Insurance (SSDI) at the same time. You may, however, qualify for Supplemental Security Income (SSI) if you meet the strict financial criteria while drawing either Social Security retirement or SSDI benefits.

What happens to Social Security disability when you turn 65?

When you reach the age of 65, your Social Security disability benefits stop and you automatically begin receiving Social Security retirement benefits instead. The specific amount of money you receive each month generally remains the same.

Can you receive Social Security and disability at the same time?

You can’t receive Social Security retirement benefits and disability benefits at the same time (with one small exception, which we’ll discuss below). The Social Security disability program exists to provide disability benefits to those who are unable to work as a result of their conditions and who are too young to draw their retirement benefits.

Can you draw social security if you are on disability?

If you’re on disability, Social Security closes your case when you reach full retirement age, and it simply renames the benefits “retirement.” You don’t have a choice in the matter, and you generally can’t draw both disability and retirement.

Can you collect Social Security disability if you take early retirement?

However, the exception to this rule is if you took early retirement through Social Security before you were approved for disability. Known as concurrent benefits, this is possible if you are approved for Social Security Disability Insurance, but are only approved for a low monthly benefits payment.

When to switch from social security to SSDI?

A possible exception arises if, along with SSDI, you are collecting workers’ compensation or are drawing a “public disability benefit” from a government job at which you didn’t pay Social Security taxes. These could shrink your SSDI payment to the point where you might be better off switching to the reduced retirement benefit at 62.