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Retirement SSI and SSDI

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Old 11-04-2017, 01:02 PM   #1
Samoff
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Default Retirement SSI and SSDI

My wife worked for about 20 years and then was on SSDI for 22 years. Then she returned to work for 5 years. How is the amount of retirement SSI calculated when someone has not been employed for 35 years and has been on SSDI for a large portion of their adult life? This person would be going from work to SSI and not from SSDI to SSI at age 66.
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Old 11-04-2017, 02:43 PM   #2
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Originally Posted by Samoff View Post
My wife worked for about 20 years and then was on SSDI for 22 years. Then she returned to work for 5 years. How is the amount of retirement SSI calculated when someone has not been employed for 35 years and has been on SSDI for a large portion of their adult life? This person would be going from work to SSI and not from SSDI to SSI at age 66.
Think there is some confusion of which is which? IMO

What Is the Difference Between Social Security Disability (SSDI) and SSI? | DisabilitySecrets

It sounds more like she is going to SS(social Security) do to retiring....You would add up the years worked and her SS would be based on 25 years of putting into the "system".

But you post I find a bit hard to follow, do to notknowing exactly what your trying to say...
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Old 11-04-2017, 03:22 PM   #3
Samoff
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Normally, your SS retirement payment is based upon your 35 highest years of your employment salary. But, how does SS handle this when you don't have 35 years of employment because you were on SSDI part of your adult life. If you were on SSDI at the time you became age 66, then you just get SS the same as your SSDI payment. The 35 year computation is not used. But what happens if you were on SSDI and you worked briefly before you turned 66 but you do not have 35 years of employment. How is your SS retirement benefit calculated>
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Old 11-05-2017, 06:55 AM   #4
Hopeless
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Was the person getting a SS check at the time they turned 66, retirement age? If so, I would think the check remains the same and would be classified as retirement rather than disability. If the person worked 5 years, was disability terminated? If not getting an SS check at the time of turning 66, I do not know how benefits would be calculated.
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Old 11-05-2017, 07:03 AM   #5
Hopeless
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Retirement benefits have a 40 quarters requirement. That is 10 years, not 35 years.

Lifetime earnings are used in the calculation of retirement benefits.

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The 35 year computation is not used.
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Old 11-05-2017, 01:20 PM   #6
Samoff
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Thanks so much. It is true that you must have 40 quarters (10 years) of employment to qualify for SS retirement benefits. But I am confused because I have read that your actual retirement benefit is calculated upon your highest earnings per year for 35 years of employment. If you only have 30 years of paid employment, when you retire, then zero is used for 5 of the 35 years, thus reducing your benefit.

I am sure that my question above was not very clear. Let me try to put it another way. What if you worked for a total of 25 years (from age 20 to age 45) and were working again when you applied for SS retirement (at age 66)? You also were on SSDI for 15 years (from age 46 to age 61)and you did not work during this time. Then you were no longer on SSDI and worked for 5 years from age 62 to age 66. So you worked a total of 25 years. It would seem that either you SSDI payments should go towards the additional 10 years needed to make 35 years for the retirement income calculation. Alternatively, perhaps the retirement income calculation is based just upon the 25 years because you were on SSDI and so could not accumulate 35 years of paid employment. I have been unable to find the answer to how the lack of ten years of work would impact the SS retirement calculation for someone who has been on SSDI. I understand how it would be treated if someone was on SSDI at age 66.
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Old 11-05-2017, 01:39 PM   #7
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Ooops....my math is terrible. In my example above, the person would have worked 25+5 years or a total of 30 years. Thus, they would be 5 years short of the 35 years required to compute the SS retirement amount.
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Old 11-05-2017, 02:42 PM   #8
LIT LOVE
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A SSDI beneficiary is not penalized for the quarters they were receiving disability benefits. If her earnings in the past 5 years were higher than before she was disabled, she may see an increase in her retirement monthly benefit compared to her SSDI benefit plus COLAs.

This calculator might work. It's worth trying. Retirement Estimator
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Old 11-05-2017, 03:07 PM   #9
Samoff
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Thanks so much. Will try the calculator. Do you know how the penalty is avoided for not having the 35 years? Do they use the SSDI annual payment for those years in which there was no employment income or do they just adjust the 35 years to the lower figure of actual years worked and then calculate. Or is it done another way? Thanks again.
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