The main difference between social security disability insurance and social security retirement is simple. With Social Security disability insurance, you have to prove that you’re disabled. Social Security retirement, however, is based on age. We typically advise our clients not to work unless they plan to work full-time because you will lose your benefits if you exceed a certain amount of earnings. You can start receiving retirement benefits at 62, but there is a deduction if you start claiming them before 67. To learn more, watch our short videos.
Whether you can receive retirement and SSDI benefits depends on what you mean by “retirement”. For SSDI purposes, retirement means benefits paid through the SSA. Yet Social Security retirement benefits are not always the only benefit people receive when they retire. Pensions or 401(k) plans through an employer also pay benefits at retirement. While many people generically refer to each of these as “retirement” benefits, for purposes of receiving both SSDI and retirement benefits, they are very different.
When you apply for SSDI, the Social Security Administration calculates the amount of your possible monthly disability benefits based on your work history. The SSA may reduce the amount you receive in some cases if you have other sources of income. Specifically, Social Security may lower your disability payments if you receive certain types of pension payments. To learn more watch our short video.
It could take almost two years before your SSD application is approved and you begin receiving benefits. The low initial approval rates combined with the lengthy wait times mean that many people who are unable to work apply for unemployment benefits to bridge the gap. While it is possible to obtain SSD benefits while receiving unemployment, some issues could complicate the process.
Our website includes a searchable database that lets you check the approval and denial rating of every ALJ in the country. Although there is no guarantee that your application will be approved, knowing the ALJ’s approval rating before the hearing can help you (or your disability attorney, if you hire one) better strategize how to present your case.
SSDI and SSI are federal benefits programs that pay monthly benefits to applicants who meet each program’s eligibility criteria. Although the average national approval rate for SSD benefits is 45.22%, some states fall well above, and others well below, that average. Learn more ...
RSDI provides monthly benefits to retirees, disabled workers, and/or their surviving dependents. Though called Retirement, Survivors and Disability Insurance, the program comprises three distinct programs. Eligibility for each program, as well as the monthly benefit amount paid under each, depends on different factors, including the age when benefits begin, work history, and the recipient’s status.
A Social Security Disability award letter, or notice of award, is the formal letter received from the Social Security Administration’s (SSA) Disability Determination Services (DDS) office that informs you that you are eligible to receive disability benefits. Watch our video to understand how to review for mistakes your Notice of Award.
When you receive a notice that the SSA will conduct a CDR, don’t panic; it doesn’t necessarily mean that your benefits are in danger of ending. In fact, far from it – more than 90% of applicants who undergo a CDR are approved for continued benefits. Having a basic understanding of how CDRs work, and what information you will be expected to provide, can help increase those odds. For more information watch our short video.
Social Security Disability Insurance (SSDI) is a federal benefits program that makes monthly payments to individuals who are unable to work due to a disability. Depending on whether you have other sources of income that monthly benefit may not be enough to live on. Thankfully, there are other benefits that SSDI beneficiaries may be eligible to receive.