You can collect only one benefit at a time. If you collect SSDI before you reach full retirement age, you’ll continue to collect the full amount after; it will just be called a retirement benefit at that point.

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Can You Collect Both Social Security Retirement and Disability Benefits?

Social Security benefits are designed to provide financial assistance to individuals who are either retired or disabled. While these two categories may seem separate at first glance, certain circumstances allow individuals to collect both retirement and disability benefits simultaneously.

To understand the possibility of receiving both benefits, it is important to understand the eligibility criteria for each program. Social Security retirement benefits are available to individuals who have paid into the Social Security system through payroll taxes for a certain number of years. Typically, individuals become eligible for retirement benefits at the age of 62, although the full retirement age (FRA) varies depending on the year of birth.

On the other hand, Social Security disability benefits are provided to individuals who are unable to work due to a severe disability, provided they have paid into the system and meet the medical criteria set by the Social Security Administration (SSA). Disabilities must be expected to last for at least one year or result in death.

In general, these programs operate separately, and individuals are typically expected to choose one or the other. However, there are instances where individuals may qualify for both types of benefits. This is known as a “concurrent claim.” According to the SSA, if you are receiving Social Security disability benefits and reach full retirement age, your disability benefits will automatically convert to retirement benefits, and you will receive the same monthly payment amount. The key difference is that retirement benefits are not subject to the same medical criteria as disability benefits.

It is important to note that when disability benefits convert to retirement benefits, the transition is seamless, meaning there is no interruption in the payment or any gap in benefits. The SSA automatically reviews cases of individuals who receive disability benefits as they approach retirement age, making the necessary adjustments.

It’s also worth mentioning the potential for double dipping, where an individual may receive both Social Security retirement and disability benefits simultaneously. This can occur when an individual qualifies for both programs because, for example, they have a disability that prevents them from working full-time but can still perform some form of part-time or limited work.

However, it is crucial to keep in mind that the total benefits received cannot exceed a certain limit. In other words, the sum of the retirement benefit and disability benefit must not exceed the maximum combined benefit amount. If this cap is reached, the SSA will reduce the higher benefit to ensure compliance with the limit.

In conclusion, while Social Security retirement and disability benefits are generally distinct, individuals can qualify for both in certain situations. Those receiving disability benefits will have their benefits converted to retirement benefits once they reach full retirement age. Concurrent claims can be possible based on an individual’s circumstances, but it is important to be aware of benefit limitations. To get the most accurate and up-to-date information, it is advisable to consult with the Social Security Administration or seek professional advice regarding your specific case.