In most circumstances, if you are likely qualified for SSDI, it makes sense for you to apply for that benefit instead of drawing early Social Security. But if you decide to take early retirement perhaps you need the income while waiting to hear about your SSDI application , you can apply for retroactive SSDI. If you are found to have met the disability requirements before you began to receive early retirement, you would be entitled to retroactive benefits equal to the difference between your early retirement payment and what you were entitled to for SSDI.
However, if Social Security determines that your disability did not begin until after you received early retirement, you won't receive any retroactive payments. Once you reach retirement age, your full retirement benefits will be reduced based on how many months you received early retirement called the "reduction factor".
If you believe you qualify for these benefits and have been wrongly denied, find an advocate familiar with Social Security disability policy to represent you. Call for a referral at We use cookies to give you the best experience on our website. For more information on what this means and how we use your data, please see our Privacy Policy. Please return to AARP. You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age.
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Rewards for Good. Share with facebook. Share with twitter. Share with linkedin. Share using email. For example, tax refunds and wages spent by the disabled or blind on transportation in order to work do not count as income for SSI. Trudy Brunot began writing in Her domestic and international experience includes human resources, advertising, marketing, product and retail management positions.
She holds a master's degree in international business administration from the University of South Carolina. Share It. Social Security Administration. Blind or disabled children may also get SSI. Unlike Social Security benefits, SSI benefits are not based on your prior work or a family member's prior work. SSI is financed by general funds of the U.
Treasury--personal income taxes, corporate and other taxes.
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