Can you get both SSDI and Social Security retirement benefits?

On Behalf of | Jun 11, 2022 | Social Security Disability |

As a Florida resident with a disability that is serious enough to prevent you from earning a living, you may be a recipient of Social Security Disability Insurance. Available to Americans who have serious disabilities that are either unlikely to improve or likely to result in death, SSDI benefits help millions of disabled Americans get by in the absence of a regular paycheck.

Per the Motley Fool, there are a number of life events or situations that may put an end to our ability to receive SSDI benefits any longer, and one such example involves reaching the age of retirement.

What happens when you reach retirement age

Most people are ineligible to receive SSDI and Social Security retirement benefits at the same time. For this reason, when you reach the mandatory age of retirement, the U.S. Social Security Administration starts sending you Social Security retirement payments, rather than SSDI payments.

There is really only one main exception to this rule. If you filed for early retirement benefits after becoming disabled and then the SSA determined you had a valid disability afterward, you may be able to receive both types of payments.

How much you might receive in retirement benefits

Once your payments transition over from SSDI payments to Social Security retirement benefits, you should not notice a significant change in the amount received each month. This means you should not have to make any major adjustments to your budget or lifestyle once you start receiving retirement benefits, rather than SSDI benefits.

Keep in mind that while reaching retirement age puts an end to SSDI benefits, other actions, such as returning to work, may do the same.

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