Can You Collect Retirement Benefits and SSDI at the Same Time?

 You generally cannot receive full SSDI and retirement benefits at the same time. However, there's an automatic transition process that occurs when you reach full retirement age (FRA).

Here's how it works:

1. Before FRA: If you're receiving SSDI and are under your full retirement age, you get disability benefits based on your work history.
2. At FRA: Your SSDI automatically converts into retirement benefits. The amount usually stays the same.
3. No Double Benefits: You can't draw full SSDI and full retirement at once—they're both based on your lifetime earnings record and calculated similarly.
4. Early Retirement Impact: If you take early retirement before getting SSDI, your monthly benefit is permanently reduced. Applying for SSDI can be a better choice.
5. Strategy Matters: Timing your SSDI claim properly can protect you from lower lifetime retirement income.

Understanding how SSDI transitions to retirement ensures you avoid benefit gaps and maximize what you've earned.

For strategic advice on managing your SSDI and retirement benefits, contact the Law Office of Irene Ruzin. We'll help you plan for the best financial outcome.