Ask Larry

Why Won't Social Security Give Me SSDI Benefits?

I'm a disabled senior citizen and they will not give me SSDI I get SSI and SSA but not SSDI why?

Hi. The purpose of Social Security disability (SSDI) program is to allow people who become unable to work due to a disability to start collecting their Social Security benefits early. SSDI benefits aren't a separate benefit that can be paid in addition to your regular Social Security retirement benefit. You can't be paid both Social Security retirement benefits and SSDI benefits at the same time. Qualifying for SSDI benefits simply allows people to start collecting their full Social Security retirement benefit rate without having to wait until their full retirement age (FRA).

SSDI benefits are calculated at 100% of the disabled person's primary insurance amount (PIA), as are unreduced Social Security retirement benefits if a person starts drawing their benefits at FRA. If a person is collecting SSDI benefits, when they reach FRA, their SSDI benefits convert to regular Social Security retirement benefits at the same benefit rate.

Best, Jerry

Mar 15 2023 - 1:09pm
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