How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

If I File For Social Security Disability Will They Offset My Pension?

The answer to this question is not a simple yes or no. It depends upon the type of pension the disability applicant is receiving. Most pensions do not offset an individual’s Social Security Disability benefits. Individuals who are receiving a pension based upon earnings that were covered by Social Security taxes will not have any kind of offset of their Social Security Disability benefits.

However, there were, and are, some employers who did not buy into the Social Security system and, in these cases, no Social Security taxes were withheld from their employees’ earnings. Individuals who worked for employers who were not part of the system (but collected other tax on their employees' earnings) may still be eligible to receive a disability benefit--but it may be offset due to a pension based upon their non-covered work, i.e. earnings not taxed for Social Security.

There are some exceptions to this rule. For instance, if an individual has thirty years of covered earnings at a certain level, they may be excluded from an offset.

Some examples of employers who may not have taken out Social Security taxes might be state governments, federal government, some medical facilities, and school districts, just to name a few. If a person receives a pension from an employer who did not withhold Social Security taxes, they will have an offset of their Social Security Disability or retirement benefit unless they meet one of the offset exclusions.

On the other hand, individuals who have military pensions, or pensions from employers who withheld Social Security taxes, can receive Social Security Disability and their pensions with no offset. This means they can receive the full amount of their benefit from both their employer and Social Security if the employer has no offset provision for their pension.

Some employers try to offset the amount they have to pay an individual when the individual becomes entitled to other benefits. Most employers do not offset retirement pensions, but they may offset the amount they pay if an individual is receiving a pension based upon disability.

Essential Questions

What is the Social Security Disability SSI list of impairments?

Can you work while getting or applying for Disability?

How Often Does Social Security Approve Disability The First Time You Apply?

Tips for getting Social Security Disability or SSI benefits approved

What medical conditions will get you approved for disability?

What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state

Most popular topics on SSDRC.com

Social Security Disability SSI Questions

The listings, list of disabling impairments

Can a mental illness qualify you for disability?

Disability Lawyers prevent unnecessary denials

How much Social Security Disability SSI back pay?

How to apply for disability for a child or children

Filing a Social Security Disability SSI application

Filing for disability - when to file

How to apply for disability - where to apply

Qualifications for disability benefits

How to Prove you are disabled and Win your Disability Benefits

Qualifying for Disability - The Process

How to get disability for depression

Getting disability for fibromyalgia

SSI disability for children with ADHD

What is the Application Process for Social Security Disability and SSI?

Common Mistakes to avoid after being denied for Disability

Social Security Disability SSI Exam tips

More Social Security Disability SSI Questions

Social Security Disability SSI definitions

What makes you eligible for Social Security Disability or SSI?

New and featured pages on SSDRC.com

Who can help me file for disability?

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These pages provide answers to basic questions about pursuing disability benefits

How to claim disability
Disability claim appeal status
How to get you Social Security Disability status
How does a person qualify for disability benefits?
How do you Apply for SSI?
How Much Income Can you Earn If you draw Social Security Disability?
Can you work if you get SSI?
How long will you get disability after an award notice?
If You Get Social Security Disability or SSI, Will Your Dependents Get A Check?
Social Security Disability denied
Time on a Social Security Disability Decision
How to apply for disability for a child or children
Denied Twice For SSD or SSI Disability, What Do I Do?
f I get disability will my children receive benefits?
Social Security Disability SSI - Retroactive Benefits Vs Back Pay Benefits
How long do you have To Be Out Of Work Before You Get Social Security Disability (SSD)?
How to file for disability and medical conditions
What Does Social Security Consider To Be a Disability?
When does social security consider you eligible for disability benefits?
Qualifying for disability benefits with the social security administration
How to get disability
Will I be approved for disability on my appeal?
How to appeal a disability denial

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.