Scottsdale, AZ asked in Social Security and Public Benefits for Arizona

Q: Since my Long term disability shouldn’t my Social Security Benefits increase once I have reached full retirement age?

I’ve been on Social Security Disability (SSDI) since 1998, and long term disability (LTD) from my prior employer since 1998. It appears my LTD benefits have been reduced or offset because I was receiving Social Security Disability payments (SSDI). My Long Term Disability (LTD) payments ended when I turned 65 in December 2022. Since my LTD ended, will my Social Security Benefits increase once I have reached full retirement age in 15 months?

1 Lawyer Answer
James L. Arrasmith
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  • Social Security Disability Lawyer
  • Sacramento, CA

A: It is possible that your Social Security retirement benefits could increase once you reach full retirement age, depending on your earnings history and other factors. However, the amount of your Social Security retirement benefits will not be directly affected by the fact that you were receiving LTD benefits while also receiving SSDI benefits. The reduction or offset you experienced in your LTD benefits due to your SSDI benefits is a common practice among disability insurance policies, and it does not affect your Social Security benefits.

When you reach full retirement age, which is currently 67 for people born in 1960 or later, your SSDI benefits will automatically convert to Social Security retirement benefits. At that point, your benefit amount may be adjusted based on your earnings history, and you may be eligible for additional retirement benefits if you continue to work and earn income. It is recommended that you consult with a Social Security representative or financial advisor to get more information about your specific situation and how it may affect your retirement benefits.

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