Ask Terry Questions Social Security vs Social Security Disability

Social Security vs Social Security Disability

By Terry Savage on September 11, 2015 | Financial Planning / Retirement

My husband is 62 and is ill. He inquired about receiving Social Security Retirement Benefits and was awarded and received one payment as a Social Security Retirement Benefit recipient. He then was awarded Social Security Disability Benefits due to his illness. Will his Social Security benefit be reduced because he received that one payment as a Social Security Retirement Benefit recipient age 62?
Does he need to take any action with the SSA administration?
Thank you.

Terry Says:  I have to admit that I don’t know the answer to this question — but I do know that you must straighten this out IMMEDIATELY — and in writing — with the Social Security Administration.   In reading the SSA website, I see that there is an automatic transition from disability to retiree benefits when a person collecting disability reaches full retirement age –  around 67 in this case.  And it’s really important to start collecting as late as possible on regular retiree benefits, because that is the base upon which future inflation adjustments will be made.

BUT, I also know there is a very brief window, perhaps less than a year, to PAY BACK benefits started early.  In fact, here is a link to the form requesting a termination of benefits taken early — and on this form there is a 60 day window from the time benefits started.

However, this is so complex, so personal, and so important I only want to give you the overall picture.  You should contact SSA immediately and ask about returning that one check and then using the disability until your husband reaches his full retirement age.  And, in fact, I’d really like to hear back from you with the answer you receive in this case!

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