Trying to figure out how Social Security Disability Insurance works on your own can be both confusing and overwhelming. Many people don’t even realize that they qualify for this program because of misconceptions regarding its eligibility requirements. This is why it’s so important to contact an experienced Ocala Social Security disability attorney, who can elucidate the process and assist you with collecting benefits.
What is SSDI?
SSDI is a taxpayer-funded program that allows individuals with disabilities to collect their Social Security retirement benefits early. To be eligible for this program, you must:
- be younger than 65 years old
- have a disability
- have earned a specific number of work credits through employment
If you’re eligible for SSDI, you’ll begin receiving benefits six months after the onset of your disability. Additionally, you’ll typically qualify for Medicare two years from the time that you started receiving benefits.
Can You Receive SSDI if You Have Retirement Benefits?
Many people often assume that they can’t receive SSDI benefits because they also have retirement benefits. However, this is a common misconception. Most private and government pensions have no effect on SSDI eligibility or the amount of money you receive from SSDI benefits. Because most pensions aren’t exempt from Social Security taxes, you can receive pension payments in addition to monthly SSDI benefits. However, it’s important to keep in mind that there are a few exceptions to this rule. Certain disability pensions, long-term disability plans and some civil service retirement benefits may affect SSDI benefits.
Because SSDI benefits are only applicable to those under 65, your Social Security benefits will stop once you turn 65 years old and you’ll begin receiving retirement benefits instead. However, the amount of money that you’ll receive in retirement may be different from what you were receiving in disability benefits.
How Do You Apply for SSDI Benefits?
If you’re interested in receiving SSDI benefits, an experienced Social Security disability attorney in Ocala can help you with your case. Contact the Law Office of JW Chalkley III, PA at (866) 629-7511 or fill out the online contact form.