Ask Larry

Can I Stop My SSDI Benefits And Start Collecting Widow's Benefits Instead?

I am 65 yr old widow can I take my Social Security few months early and stop my SSDI benefits

Hi. No, you can't voluntarily stop receiving Social Security disability (SSDI) benefits. The only way that you could stop your SSDI benefits is by withdrawing your application, which you almost certainly would NOT want to do because you would then have to repay all of the benefits you've been paid up to now.

If you're eligible for widow's benefits and if your widow's rate would be higher than your SSDI rate, you can simply apply for widow's benefits without stopping your SSDI benefits. Social Security would then continue to pay you your full SSDI benefit plus a partial widow's benefits. The two benefits would then essentially add up to the higher widow's rate.

Best, Jerry

Sep 17 2021 - 12:16pm
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.
$40 Annual Household License
$299 Annual Financial Advisor License