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How does SSDI affect my retired Social Security?

While you know you may not need to reach retirement age to receive Social Security Disability benefits, there is also the matter of your retirement benefits from regular Social Security payments. If you are already receiving disability benefits due to a workplace injury at your Michigan job, chronic illness, or some other disability issue, how does this impact your eligibility to receive Social Security retirement benefits?

According to the Social Security Administration website, you cannot receive both types of Social Security Benefits at the same time; you can only receive either Social Security Disability benefits, or Social Security retirement benefits. This means that if you are receiving Social Security Disability benefits before you reach retirement age, you will continue to receive Social Security Disability up until the point when you reach retirement age. At that point, your Social Security Disability benefits will transition into regular Social Security retirement beneifts and your payments should continue uninterrupted.

In fact, you are legally not allowed to receive both at the same time. Luckily, however, your benefits automatically transition from one type to the other and you rarely need to worry about taking any specific action to make the change, unless there is an issue that may need to be discussed with a Social Security Administration representative - such as differences in amounts that may not cover your basic needs for support, healthcare and life expenses.

This has been an informational blog post that should not be used as a substitute for qualified legal advice.

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