What To Know About SSD And Retirement

Social Security Disability (SSD) benefits are available to those between the ages of 18 and 65 who can’t work due to a qualifying disability. But what happens when you’re nearing retirement age? Can you start collecting retirement benefits on top of your SSD?

The short answer is that you can’t collect both SSD and Social Security benefits. The Social Security Administration (SSA) will automatically convert your benefits once you’re eligible. For most people, the amount of your benefits won’t change.

Getting SSD Benefits When You’re Over 50

Generally, it’s easier for older applicants to obtain SSD benefits. It’s easier to prove that you can’t return to your prior line of work when you’re older. You’re more likely to have the required work credits as an older worker. Additionally, the SSA will take into account your age when determining whether you could qualify for other types of work.

Apply For SSD Or Take Early Retirement?

What if you’re nearing retirement and are struggling to work due to a disability? Is it better to apply for disability benefits – which will then convert to retirement benefits – or to simply take early retirement?

For many people, it may make sense to take early retirement at a reduced benefit rate and apply for SSD. The waiting period for SSD and the lengthy application process makes it more difficult to get benefits in a timely manner. Once approved, however, you can potentially get back pay to the date that your disability started.

Get Help Navigating These And Other SSD Issues

At Shawn Taylor, PLLC, we can address any and all questions you may have about SSD and retirement. Our lawyer, Shawn Taylor, understands the intricacies of Social Security benefits. He can help you determine the best course of action to maximize your benefits.

To learn more, please contact attorney Taylor via our website or by phone at 304-932-4619 for a free 30-minute phone consultation. We’re located in Charleston, and we handle SSD cases throughout West Virginia.