Can Someone Get Social Security Disability Even After They Start Drawing Social Security Retirement? - Disability Secrets

By Tim Moore on July 24, 2010 8:38 AM | Permalink Many individuals file for both retirement and disability at the same time. These individuals can receive their retirement benefits while waiting for a disability decision. The same is true for those individuals who are already receiving Social Security retirement who find themselves disabled due to a medical or mental impairment. An individual can file for disability while receiving Social Security retirement up to six months prior to their full retirement age. The reason being, all disability benefits convert to retirement benefits at full retirement age because disability beneficiaries are already receiving the full amount payable on their records. Why is there an advantage to filing for disability even if you are already receiving Social Security retirement? Well there are a couple of potential advantages to filing for disability either concurrently, or after receiving Social Security retirement benefits. First, if an individual files for disability at age sixty-two and they are approved for disability benefits, they may receive Medicare insurance benefits up to a year prior to age sixty-five (Medicare entitlement based upon age is sixty-five). Additionally, if an individual is approved for Social Security disability benefits, they will receive a higher benefit amount with the month of entitlement to disability benefits. Individuals who receive early retirement benefits are receiving benefits that are significantly reduced when compared to their full retirement amount. However, if an individual is approved for disability benefits (remember disability benefit amounts are based upon the maximum amount payable) their disability benefit is only be reduced by the months they received retirement benefits. For most individuals, this is far less a reduction than they took when they filed for reduced retirement benefits at the age of sixty-two. To reiterate, many individuals who are already receiving Social Security retirement benefits file for disability with Social Security. And If an individual is considering filing for retirement benefits they should consider filing for disability benefits at the same time if they have a medical or mental impairment that would prevent work activity. Basically, it cannot hurt to file for disability and, if approved, it could substantially increase the amount of Social Security an individual receives monthly. Return to the homepage for:Social Security Disability Secrets Social Security Disability Resource Sections

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