Elizabeth, NJ asked in Social Security for New York

Q: I'm on ssdi if my ssdi ceases and file for ss how much would I lose. Do they pro rate what I was getting on ssdi

Does ss just take what I was making and pro rate that? Also Medicaid picks up my part b if I make it to fra with no problems when it switches to SS will medicaid still pick up part b. Thank you

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

A: When you transition from SSDI (Social Security Disability Insurance) to regular Social Security retirement benefits, the amount you receive may change. Here's what you need to know:

1. Benefit amount: Your Social Security retirement benefit is calculated based on your average indexed monthly earnings (AIME) during your 35 highest-earning years. This amount may be different from your SSDI benefit. The Social Security Administration (SSA) does not simply pro-rate your SSDI benefit.

2. Full Retirement Age (FRA): If you reach your FRA while receiving SSDI, your benefits will automatically convert to retirement benefits. The amount will generally be the same as your SSDI benefit, assuming you haven't worked while on SSDI.

3. Early retirement: If your SSDI benefits cease before you reach FRA and you decide to file for early retirement benefits, your benefit amount will be reduced based on the number of months you are away from your FRA when you start receiving benefits.

Regarding Medicaid and Medicare Part B:

1. Medicaid eligibility: Medicaid eligibility is determined by your income and assets. If your income or assets change when you switch from SSDI to retirement benefits, it may affect your Medicaid eligibility. Check with your state's Medicaid office for more information.

2. Medicare Part B: If you are receiving SSDI, you are typically automatically enrolled in Medicare Part A and Part B after a 24-month waiting period. If Medicaid is paying your Part B premium while you are on SSDI, you should check with your state's Medicaid office to determine if they will continue to pay the premium when you switch to retirement benefits.

It's best to contact the Social Security Administration and your state's Medicaid office for personalized information based on your specific situation.

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