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Old 07-03-2011, 04:27 AM   #1
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SSDI benefits be reduced for 2 yrs for not working?

Due to my disability, I was unable to work in 2009, 2010 & 2011.
At the end of 2008, My annual SSA benefit statement said
that I would receive $600 per month if I were to retire at age 65.
Here's my question. I just got a letter from the ALJ awarding me
full support on my disability going back to Oct 2008.
It's not the "award letter" just the judge's summary of full support.
Since I was disabled in 2009-2011 and could not work it will show
zero earnings for those years on my annual report at SSA.
This will reduce my benefit amount for not working.
So will they consider that and give me the full amount or something less?
They no longer send the annual statements in the mail and
I can't login to their website. Thx for any info in advance.

 
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Old 07-03-2011, 01:39 PM   #2
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Re: SSDI benefits be reduced for 2 yrs for not working?

When you get your award letter is will say when your date of onset is. it will tell you how much you are going to recieve and when to expect your first check or deposit. SSDI does go from work credits, so if you missed a couple years of work then it may have an impact on your benefits. Unless your date of onset , that is the date when social security finds you disabled, the date goes all the way back from when you were not working.

 
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Old 07-03-2011, 01:53 PM   #3
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
Originally Posted by snewb View Post
They no longer send the annual statements in the mail and
I can't login to their website. Thx for any info in advance.
When you file for SSDI, they suspend sending the yearly SS statements of estimated benefits and actual earnings. I think you can call SSA and they can tell you over the phone I think what your approx. benefit will be. SpineAZ and some others here said if my memory serves me correctly that SS is going to stop sending the statements to anyone I think due to budget concerns. It seems like someone said they are going to save something like 30 million or more dollars by discontinuing the statements.

 
Old 07-03-2011, 01:59 PM   #4
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
Originally Posted by snewb View Post
Due to my disability, I was unable to work in 2009, 2010 & 2011.
At the end of 2008, My annual SSA benefit statement said
that I would receive $600 per month if I were to retire at age 65.
Here's my question. I just got a letter from the ALJ awarding me
full support on my disability going back to Oct 2008.
It's not the "award letter" just the judge's summary of full support.
Since I was disabled in 2009-2011 and could not work it will show
zero earnings for those years on my annual report at SSA.
This will reduce my benefit amount for not working.
So will they consider that and give me the full amount or something less?
They no longer send the annual statements in the mail and
I can't login to their website. Thx for any info in advance.
$600 is a fairly small amount snewb. Are you fairly young?

 
Old 07-03-2011, 04:02 PM   #5
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Re: SSDI benefits be reduced for 2 yrs for not working?

Yes I'm 60 yrs.
Mscat40 came close to answering my main question
Which is.. it wasn't my fault I couldn't work in 2009 & 2010.
The judge found me disabled as of Oct 2008 so I know I'll receive back pay to April 2009.
My question is will I be penalized on the monthly & backpay
amounts since there was 0 income for 2009 & 2010 or will they
grant me the full amount as of Oct 2008 that was listed as $600?
Maybe I'll get something less like $450 a month?
Thx for all your replies.
Appreciate it!

 
Old 07-03-2011, 09:20 PM   #6
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Re: SSDI benefits be reduced for 2 yrs for not working?

i am not sure if i agree with the reduced benefits or not..
when i first applied for ssdi the first time in 2005, the last statement i got just prior to that from ssa stated if i became disabled i would get $961.. i did not get a statement again until about 2008. the next one i got was in late 2009 or early 2010, that stated if i became disabled i would get over $1100. keeping in mind i have not worked since 2005....

 
Old 07-03-2011, 11:04 PM   #7
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Re: SSDI benefits be reduced for 2 yrs for not working?

i just noticed that the OP said "At the end of 2008, My annual SSA benefit statement said
that I would receive $600 per month if I were to retire at age 65."

on the statements it has several different dollar amounts..
they are under "your estimated benefits", then there are different sections: retirement , there are 3 different dollar amounts, depending on age of retirement. then under disability, there is a different amount..
so filing for ssdi you would look at the amount under disability, not the amounts under retirement.. according to my last statement, it looks like the disability amount is halfway between the retiring at age 62 & the full retirement age of 66 yrs and 10 months..

 
Old 07-04-2011, 04:27 AM   #8
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Re: SSDI benefits be reduced for 2 yrs for not working?

[QUOTE=snewb;4791509]Due to my disability, I was unable to work in 2009, 2010 & 2011.
At the end of 2008, My annual SSA benefit statement said
that I would receive $600 per month if I were to retire at age 65.
Here's my question. I just got a letter from the ALJ awarding me
full support on my disability going back to Oct 2008.
It's not the "award letter" just the judge's summary of full support.
Since I was disabled in 2009-2011 and could not work it will show
zero earnings for those years on my annual report at SSA.
This will reduce my benefit amount for not working.
So will they consider that and give me the full amount or something less?
They no longer send the annual statements in the mail and
I can't login to their website. Thx for any info in advance. [/QUOTE
what is the differernce between "award letter" and "judges summary of full support"

 
Old 07-04-2011, 05:02 AM   #9
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
what is the difference between "award letter" and "judges summary of full support"
The judges summary just supports your disability.
The awards letter apparently arrives at a later date (60days?)
and spells out what the backpay will be & how much your
monthly payments will be. Rather than wait the 60 days I'd like
to know it advance. There is a benefit estimator on their website
ssa.gov but couldn't get it to work.
Thank you msgenerallee! I never thought to look there
at the disabilty section on the summary and assumed it
was the same as full retirement.

 
Old 07-04-2011, 05:15 AM   #10
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
Originally Posted by msgenerallee View Post
i am not sure if i agree with the reduced benefits or not..
when i first applied for ssdi the first time in 2005, the last statement i got just prior to that from ssa stated if i became disabled i would get $961.. i did not get a statement again until about 2008. the next one i got was in late 2009 or early 2010, that stated if i became disabled i would get over $1100. keeping in mind i have not worked since 2005....
That is very interesting. Each year you didn't work your benefit
amount increased? That would be nice.

BTW as a side note my spouse earns enough so $600 isn't
the only income we'd have. Also there is no worker's comp or SSI
involved so hopefully that will speed things up.

 
Old 07-04-2011, 07:59 AM   #11
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Re: SSDI benefits be reduced for 2 yrs for not working?

SS no longer sends out annual statements.

By being awarded SSDI you are securing your eligibility for SS Retirement. If someone were to stop working in their 40's and not apply for SSDI (perhaps just simply stop working by choice) they would not be eligible for SS Retirement under their own record when they retire, only if they are married can they get something under the spouse's record (assuming the spouse still works).

SS uses a complex formula to figure out SS award amounts. And every SS Retirement amount they told you is an estimate. I believe it said on those yearly forms that SS was estimating future SS Retirement based on many factors including income history and likelihood of possible modest income increases. Someone 30 who has made $40,000 per year would have seen modest SS Retirement amounts (form showed 3 - early retirement, SSNRA, and delaying retirement to 70). But as that person gets into his 40's perhaps his income goes up to $100,000/yr. SS has no way of knowing what he'll earn in the future so the amounts they give for SS Retirement on those statements is an estimate.

Once you are on SSDI, and if you remain on SSDI to your SSNRA (Soc Sec Normal Retirement Age http://www.ssa.gov/oact/progdata/nra.html) then your SSDI converts to SS Retirement automatically.
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Old 07-04-2011, 10:22 AM   #12
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Re: SSDI benefits be reduced for 2 yrs for not working?

Thx. Spine AZ for info.
I understand it's just an estimate and now
wish I had read my statement more carefully when I had it back in 2008.
I only looked at the 65yrs (66) and 62yrs part and didn't
look further for the disability part where it says "If you were disabled now."
Some have said on other sites that's it's the full retirement amount
and others have said it's somewhere between the 62yrs & 65-66yrs amount.
Just have to wait & see..

 
Old 07-04-2011, 04:57 PM   #13
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
Originally Posted by snewb View Post
Thx. Spine AZ for info.
I understand it's just an estimate and now
wish I had read my statement more carefully when I had it back in 2008.
I only looked at the 65yrs (66) and 62yrs part and didn't
look further for the disability part where it says "If you were disabled now."
Some have said on other sites that's it's the full retirement amount
and others have said it's somewhere between the 62yrs & 65-66yrs amount.
Just have to wait & see..
I am not sure but I think you can call them personally and they can tell you. Like Spine said, they no longer send out the annual statements due to budget concerns.

 
Old 07-04-2011, 06:30 PM   #14
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Re: SSDI benefits be reduced for 2 yrs for not working?

in re of my last post, i wondered about that myself in re of the increase.
in re of ssa no longer sending yearly statements out- when did they stop that? my husband got one in may 2010....

 
Old 07-05-2011, 06:30 AM   #15
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Re: SSDI benefits be reduced for 2 yrs for not working?

Quote:
i wondered about that myself in re of the increase.
in re of ssa no longer sending yearly statements out- when did they stop that? my husband got one in may 2010..
BTW I'm the husband and it's my wife who was just found disabled.
I should have disclosed that and will do so in the intro section.
I got one before my 60th birthday in May
and Ireceived written statement just 2 months ago.
I had heard on the news that they were stopping from April-Nov?
I think it's the "direct deposit" that will be mandatory from now on.
The increase could be what they call COLA= Cost of living adjustment.
All this is basically speculation on my part. I have no link or concrete
evidence just that I saw it somewhere on the net or TV and remember it.

 
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