Is it possible to get disability after you are already collecting Social Security?
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Are you asking if someone can receive SS disability benefits (SSDI) after starting SS retirement benefits? The answer is yes (if person is found disabled, was in covered employment 5 of the last 10 years before disability date and is below full retirement age).
But a person who becomes entitled to SSDI after starting SS retirement benefits is paid either the SSDI or the SS retirement benefit, but not both. Also SSDI is only payable before the person's full retirement age. After full retirement age is reached, only the SS retirement benefit is payable.
So if a person is age 62 or older, that person can start their (reduced) social security benefit before full retirement age, and can have submitted an independent application for SSDI. That's a way to receive some social security benefit while the disability application is being processed. If the disability application is ultimately approved, the person really only gets whichever is greater—the retirement benefit or the disability benefit.
Social Security rules contain instructions for recomputing the retirement benefit at full retirement age to eliminate any reduction for the months prior to full retirement age for which he/she is entitled to SSDI.
Type this into the google search engine 0300615110
and choose the first response
Situation 3 describes this situation.
If you are asking about another disability program/plan, it would depend upon the rules of the program/plan.
Hope this helps. -
That helps a bunch. Very complicated though. Thanks for your answer.Comment
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mytwocents: I typed the string of numbers into Google search, selected third option per your instructions, and it was like reading Greek. Could you please define the following: DIB, RIB, FRA, and PIA. Thanks!Comment
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RIB = retirement insurance benefits
DIB = disability insurance benefits
PIA = primary insurance amount
FRA = full retirement age
I think RIB and DIB are better abbreviations to use than SS, SSDI and SSI because the abbreviations with all the "S"es get mixed up all the time.
What your asking about is a category that only exists between a person's early retirement age and full retirement age. It can't exist before that or after that. The quickie explanation is that if someone takes early retirement (RIB) and then becomes disabled they can get disability benefits (DIB which is also known as SSDI) that increases their monthly benefit payment to what it would have been if they didn't take early retirement but instead waited until they reached full retirement age (FRA).
During those few years Social Security can pull from different accounts to add up to the full benefit amount a person gets but that's all on their end. To the person getting the benefits it really doesn't matter which account the money is coming from. The maximum benefit a person can get is the amount they would have gotten if they had simply retired at full retirement age.
That means that if a person starts getting disability benefits before their retirement age they're already getting the maximum amount they're ever going to get. Disability benefits are full retirement benefits that they started getting much earlier than normal. So they don't get more money on top of that amount when reach retirement age because they've already been getting that amount since they became disabled.
At full retirement age the Social Security Administration converts everyone on disability to regular retirement. That's another administrative thing they do on their end that doesn't affect the person getting the benefits. The monthly benefit amount is still the same.
After full retirement age there isn't a separate category for disability anymore. To Social Security fully retired and disabled are the same thing which is "not working". So if a person is already at full retirement age they can NOT file for disability or get extra disability payments on top of their retirement benefit because they're already past working age.Comment
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