The simple answer is no. The Social Security Administration (SSA) does not allow a retired, disabled individuals to receive both Social Security disability and retirement benefits simultaneously. However, there’s a loophole in the process, one that you can potentially exploit.

Although it’s true that you cannot receive Social Security retirement and disability benefits at the same time, you can still receive both benefits if you take early retirement through Social Security before being approved for disability benefits. Early retirement is possible when you reach the age of 62.

If you drew less than a full monthly retirement benefit for a certain time frame, then are approved for disability benefits, SS will retroactively compensate for the difference between the early retirement and full disability amount for every month you were disabled but receiving early retirement benefits.

Individuals who were disabled before their early retirement benefits start would also get the benefit of the disability freeze, which means your lack of income due to disability is not counted in the calculations for your retirement benefit. This is not possible if your disability occurred after the start of your early retirement benefits.

Social Security will take different actions for those who were disabled before early retirement benefits start and those disabled after the benefits start. That said, there’s no guarantee that your application for disability benefits will get approved. With this in mind, you will need to employ the right strategy when it comes to taking early retirement. Discussing your options with an experienced Social Security disability lawyer can enlighten you on the right decisions to make for your situation.

Source:

Can a Retired Person Also Collect Social Security Disability?, DisabilitySecrets.com