If I’m on disability do I get retirement benefits?

By February 27, 2015Benefits

Social security applicationMany people who apply for Social Security Disability Insurance benefits will not be able to work for the rest of their lives. Because of that, they depend on that income to survive.

Oftentimes, when people come to my office to find out about disability they assume they can receive disability in addition to their retirement benefits when they reach retirement age. This is not true. When you receive Social Security disability benefits, your benefits automatically convert to retirement benefits when you reach retirement age.

To show them what their estimated disability and retirement benefits would be, I show them their Social Security statement. The person usually sees that their retirement benefit is less than their disability benefit. However, that is not always the case.

The question then becomes, “when I hit retirement age, will my monthly check decrease/increase to the estimated amount of my retirement?”

The answer is, “If you are receiving Social Security disability benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits, but the amount remains the same.” (Social Security Administration, Disability Planner: How you Qualify for Social Security Disability benefits, http://www.ssa.gov/dibplan/dqualify.htm).

You can find out how much your estimated disability and retirement benefits would be by obtaining your Social Security Statement online at www.ssa.gov. Click on online services > get your social security statement > view your social security statement online > create an account. To create an account you will be asked a series of security questions. Set-up takes between 5 and 10 minutes. Once the account is complete, your Social Security statement can be viewed and printed.

For more information on how to qualify and be eligible for Social Security disability benefits, call Utah Social Security attorney, Jake Lee, at Summit Disability Law Group.