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Ssi Verus Ssdi

Cavtrooper088

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Cavtrooper088

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Hi gang,

I've got a question regarding SSI verus SSDI. I am currently 90%

(70% PTSD-numerous other 10-20%), and will be 61 in a few months. I'm still working, but am struggling with PTSD related issues. I've heard that once you hit 62 and are drawing SSDI that the dollar amount will revert back to the regular SSI that you would normally draw at 62. Can anyone clarify?

Cavtrooper088

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LarryJ Grand Master

LarryJ

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Well, I don't think, or didn't realize, that there was any "reverting back" to be done.

I've been receiving SSDI for several years now, and when I turned 62 (I'm now 63) I just kept on receiving what I was receiving.

They take the money that you would have received, bearing in mind the "quarters" you paid in and the amount you paid in, and you start receiving that amount when you start receiving your SSDI.........and it just keeps on flowin', just as if you had waited until you would have regularly qualified for SS.

Y'all correct me if I'm wrong.

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Philip Rogers Grand Master

Philip Rogers

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SSI is supplimental security income and has nothing to do w/retirement but is like welfare for the disabled w/o enough quarters, for SSDI.

SSDI is paid at the full rate you would have gotten if you worked until the retirement age of 65yo(or 66, for some). If you retire at age 62yo you'll receive about 69% of the full retirement rate for life. You need to work until full retirement age (65 or 66) depending on your age now to get the full rate. At full retirement age those on SSDI no longer get SSDI and are paid the same amount but it comes from the retirment acct, rather than the SSDI acct.

If you applied for SSDI now and won you'd get the full amount. Your choice.

pr

Hi gang,

I've got a question regarding SSI verus SSDI. I am currently 90%

(70% PTSD-numerous other 10-20%), and will be 61 in a few months. I'm still working, but am struggling with PTSD related issues. I've heard that once you hit 62 and are drawing SSDI that the dollar amount will revert back to the regular SSI that you would normally draw at 62. Can anyone clarify?

Cavtrooper088

Edited by Philip Rogers (see edit history)
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john999 Grand Master

john999

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If you are getting 90% compensation you make too much to get SSI. SSI is welfare for disabled who don't qualify for SSD. With SSI you are disabled, dirt poor. You can get medicade, food stamps, section 8 housing etc. Actually, you are better off on SSI than on SSD, but you have to crawl in the dirt. You will be reminded frequently that you are a worthless piece of &^%$ at least in my state.

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Cavtrooper088

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SSI is supplimental security income and has nothing to do w/retirement but is like welfare for the disabled w/o enough quarters, for SSDI.

SSDI is paid at the full rate you would have gotten if you worked until the retirement age of 65yo(or 66, for some). If you retire at age 62yo you'll receive about 69% of the full retirement rate for life. You need to work until full retirement age (65 or 66) depending on your age now to get the full rate. At full retirement age those on SSDI no longer get SSDI and are paid the same amount but it comes from the retirment acct, rather than the SSDI acct.

If you applied for SSDI now and won you'd get the full amount. Your choice.

pr

I'm sorry I used the wrong terms. Regarding SSDI, what I meant to ask was do you draw the reduced amount that is normally drawn at 62, or do you draw the amount normally drawn at age 65 (age 66 for me). Thanks for the help.

Cavtrooper088

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fanaticbooks Experienced

fanaticbooks

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If you are getting SSD and you then reach your retirement age, you will continue to get the same amount you received of SSD. However, your paycheck will switch over to come from the retirement SS. It is just a matter of bookkeeping records on the SS's part. It doesn't change your end or your amount just the source.

fanaticbooks

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Philip Rogers Grand Master

Philip Rogers

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If you get SSDI now or anytime before retirement age, you will be paid at the full amount you would have received had you continued working until full retirement age. 66 in your case. The only time it is reduced is if you take early retirement at age 62 and then it is about 69% of what you would have received at full retirement age and that payment stays at the reduced rate for life. I hope this answers your question.

fanaticbooks is correct, disability changes at retirement age and then comes from the retirement acct, rather than the disability acct. The rate stays the same.

pr

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Cavtrooper088

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Thanks Books! Thanks PR. That clears it up for this old soldier.

Cavtrooper088

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Chuck75 Grand Master

Chuck75

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From personal experience.

I applied for both SS retirement and SSDI at the same time. I was not working due to disability when I turned 62, so that determined when to apply. SS retirement was paid at the reduced rate for 62, until the SSDI was approved, with a starting date earlier than the day I turned 62, and obviously earlier than the date that SSA started paying retirement benefits. The SS retirement benefits already paid were deducted from the retroactive payment(s) for SSDI (I had to appeal to get an earlier effective date for SSDI, and was successful. The SSDI payment is the same as the SSA retirement would be if you retired at the normal retirement age, and, so I'm told, convert to SSA retirement when full retirement age is reached.

The only difficulty you have in claiming benefits is that you are currently working. If you are not working full time, you MAY (income limited, other requirements) be entitled to reduced benefits until you are no longer working. If you can also draw on a private pension, your benefits may be reduced further. (lots of complicate rules in this area).

Hi gang,

I've got a question regarding SSI verus SSDI. I am currently 90%

(70% PTSD-numerous other 10-20%), and will be 61 in a few months. I'm still working, but am struggling with PTSD related issues. I've heard that once you hit 62 and are drawing SSDI that the dollar amount will revert back to the regular SSI that you would normally draw at 62. Can anyone clarify?

Cavtrooper088

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Cavtrooper088

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Thanks Chuck75 that first hand knowledge gives me a good idea of what to expect.

That gives me a better idea of what to expect. I'm still working, but am struggling.

I'll be 61 in Nov so I'm trying to get an idea of what to expect when I finally do file.

Cavtrooper088

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Pete53 Grand Master

Pete53

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SSD is supposed to be paid at full rate till you reach the retirement age and than their is a seamless transition. Hope that makes sense

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