Overview of Disability
Disability Back Pay
Disability Advice Tips
How long do cases take?
How to win Disability
SSD Mistakes to avoid
Disability for Mental
What if you get denied?
How to file Appeals
Disability through SSA
SSI Disability Benefits
Disability for Children
How do I qualify for it?
Working and Disability
Disability Award Notice
Disability Lawyer Q&A
Disability Conditions List
What is a disability?
Your Medical Evidence
Filing for your Disability
SSD SSI Definitions
SSDRC authored by
SSDRC Disability Blog
Should I wait to collect retirement after I am 65 so I don't lose my Social Security Disability?
I have been on SS disability benefits for a couple of months for several medical issues. I recently found out that I could be eligible to receive my retirement from a company I was laid off from (the company closed and I froze my retirement) in the 90's. I am just 61.
Will collecting retirement stop benefits? It isn't very much money per month and I couldn't afford to live on that. Should I wait to collect after I am 65 so I don't lose my SS disability.
If you are indeed receiving Social Security disability benefits there is no need to worry about receiving your retirement benefits from your former employer. Social Security is not a need-based disability program so income does not affect your eligibility or monthly benefit amount.
Here is a copy of a separate page on this site where someone asked a related question (If I File For Disability Will They Offset My Pension?).
From the page:
Social Security disability does not offset your pension unless your pension is based upon earnings that were not taxed for the purposes of Social Security. In years past, some states, businesses, and companies opted out of the Social Security system. If your pension is based upon non-covered earnings (not taxed), Social Security may offset your disability benefit amount. Generally, individuals who have pensions have no problem receiving their full Social Security disability benefit because their pension is based upon covered earnings.
If you are receiving a disability pension from an employer or long term disability company, there is a likelihood that they will offset what they pay you each month once you have been approved for Social Security disability.
If you are receiving a retirement pension from a governmental agency or an employer, it is unlikely that your entitlement to Social Security disability will cause your retirement pension to be offset (unless the retirement is base non covered earnings, i.e. federal civil service employees). The same is true if you are receiving a military retirement or disability pension.
Return to: Social Security Disability Resource Center, or read answers to Questions
Are Social Security Disability Benefits Taxable?
Social Security Disability - What is considered earned income versus unearned income according to the SSA?
Why does a Veteran's Spouse lose SSI after a service connected disability is approved?
I receive a disability pension from a different country, can I get SSDI?
Can You Receive Social Security Disability Or SSI Benefits At the Same Time As VA or Veterans’ Benefits?
Am I Eligible to get Benefits (SSDI, Medicare) if I worked overseas and get a disability pension from another country?
Information on the following topics can be found here: Social Security Disability Questions and in these subsections:
Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI
These pages provide answers to basic questions about pursuing disability benefits
How do I check the status of my Social Security disability claim?
Can you get temporary Social Security disability or SSI benefits?
How do you Win Benefits under Social Security Disability or SSI?
Can I Be Eligible For SSI And Social Security Disability At The Same Time?
How long does it take to be approved for SSI or Social Security disability?
The Difference Between Social Security Disability (SSD) and SSI – How are they different Part II