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Date Add : 03-28-2009 

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Social Security Question:

Disability and pension

Social Security Answer:

My company is going to stop my LTD benefits....my LTD benefits have never affected what I draw fro SS. I have been on SS Disability for 8 years and will probably stay on it until 66....I am drawing the amount of SS as if I was retired and have been told nothing will change when I get 66 except it will not be disability anymore...it will just be called SS retirement. I am 58 years old. I am fully vested in my company's retirement plan and could have started drawing it at age 55. This is a pension that is solely provided by the compnay...no 401K...I did not contribute to the plan...it was just a perk at the time but was stopped for new employees in 2006. I paid Social Security Taxes the whole time I worked for them. Since one needs all the resources they can get these days am I allowed to start drawing this pension and still keep my SS Disability? The company does not care if I start drawing now or not. What is the Social Security stance on this?


Support Replied ~ 02-25-2009 14:16:34

Dear Randy:
Since the benefit that you would be getting is a retirement, there should be no offset.
The only offset for disability is workers comp type of benefit. To be sure I would call SS and tell them what you will be getting. Write their answer down and the person that told you the answer. States have different kinds of rules. As far as I know,
there will be no problems. But keep the name of the person you talked to,.....Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


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