Payment Amount vs. Retirement Amount

  • Creator
  • #380 Reply


    2 Questions:
    1. I am at Appeals Council level (letters sent to Appeals in Oct. 2017) and went on MY SS website and my retirement info is back. I read something here that seeing that is a bad omen. :Main13:
    They just sent me my 25 day letter dated Dec. 18, 2017.

    2. Has anyone compared the amount you will get at retirement to what the SSDI payment they actually received? I have the credits to get SSDI but unsure amounts difference between the 2.

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  • Author
  • #386 Reply


    I went online and did the Retirement Estimator and it came up with this:

    If you start your benefits:

    (age 66 and 8 months)
    $898 a month

    At age 70
    $1,138 a month

    At age 62
    $647 a month

    My onset date is March 11, 2014, I haven’t worked since then.
    My question… Which will be the closet to what my monthly should be?

    #382 Reply


    If you are approved for SSDI & remain disabled through full retirement age, then you will continue receiving the same payment amount at full retirement age, except it will be a retirement benefit. (COLAs will continue to be added, of course.)

    The retirement info coming back is not a sure indicator at the AC level. It is a better predictor at the Initial & Reconsideration levels. However, at ALJ & higher it can show up temporarily while everything is being processed.

    #384 Reply


    You and I are in the same situation. I just got my 25 day letter from appeals council as well.

    My retirement info came back after ALJ denial and is still there. As helper said, I think it is different after ALJ level.

    My disability payment shows a higher amount than the amount at retirement. I think it is because show very little income for last 3 years. When they figure retirement, the calculation for retirement assumes you will continue to make the same as you did last year until retirement, since there was no income last year, retirement goes down as it is based on lifetime earnings. If approved for disability I think it is based on a calculation of average earnings to date and assuming you would have continued to make that much had you not become disabled. The years not working aren’t counted against you if disabled, so retirement would be same as disability if you are still disabled at full retirement age.

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