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Jasmine Quinn

Does VA disability rating (80%) increase Social Security benefits after retiring at 62?

My husband just retired and started collecting his Social Security retirement benefits at age 62 last month. He has an 80% VA disability rating from his military service, but we're confused about whether this affects his Social Security benefits in any way. The SSA representative we spoke with briefly mentioned something about possible additional benefits, but then got interrupted and never finished explaining. Does anyone know if his VA disability rating qualifies him for any extra Social Security benefits or different calculation methods? His monthly SS payment seems lower than we expected. Would really appreciate any insights from those who've navigated both systems!

Oscar Murphy

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VA disability and Social Security are separate systems, but he might qualify for Social Security Disability Insurance (SSDI) if his condition prevents him from working. Having VA disability doesn't automatically increase regular retirement benefits, though. The 80% rating is for VA only. However, if his disabilities are severe enough, he could potentially qualify for SSDI which might pay more than early retirement benefits. Worth looking into especially since SSDI doesn't have the reduction for claiming early that retirement does. The medical criteria are different though - VA rates based on service-connection while SSA requires total disability from any substantial work.

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Jasmine Quinn

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Thank you for explaining the difference! He's not completely unable to work, just limited in what he can do physically, so I'm not sure if he'd qualify for SSDI. Does having the VA rating make the SSDI application process any easier or faster if we did apply?

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Nora Bennett

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I'm in a similar situation (70% VA disability) and just went through this! Your husband's retirement benefits aren't increased by the VA rating directly. HOWEVER, if he applies for SSDI and gets approved, he could potentially get a higher monthly amount. The frustrating part is that even with my VA rating, I still had to go through the full SSDI process. They did expedite my case slightly as a veteran, but still took 4 months for approval. One important thing - if he's already collecting retirement, and gets approved for disability, SSA will just pay the higher of the two amounts (not both).

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Ryan Andre

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my brother had same thing happen!!! he got the VA disability check AND his social security check every month!!!

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Lauren Zeb

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The SSA rep probably was starting to tell you about the expedited SSDI processing for vets with 100% P&T VA disability. Since your husband is at 80%, he doesn't qualify for the expedite, but he can still apply for SSDI if appropriate. Your husband's payment seems lower than expected because he took retirement at 62 instead of waiting until his Full Retirement Age (FRA), which results in a permanent reduction of about 30% from his full benefit amount. This reduction happens regardless of VA disability status. I've seen so many vets get confused by this - the systems don't boost each other's payments. They're completely separate.

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Jasmine Quinn

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That explains it - we didn't realize the reduction at 62 would be so significant. Is there any way to switch from early retirement to SSDI now that he's already started collecting retirement? Or is it too late?

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YES! He can still apply for SSDI even though he's already collecting retirement! If approved for SSDI, SSA will pay the higher benefit amount (likely the SSDI). The medical requirements are strict though - he needs to prove he can't do ANY substantial work, not just military-related jobs. Since he's only been on retirement for a month, the timing is good. There's no penalty for applying, so I'd recommend he try for SSDI if his conditions seriously limit his ability to work. The VA rating documentation will help but won't guarantee approval since SSA has different criteria.

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Jasmine Quinn

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Thank you! That's really helpful to know he can still apply. We'll look into the SSDI application process right away.

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My husband has a 90% VA rating and applied for both at the same time. It was SUCH a nightmare getting through to anyone at Social Security!!! Kept getting busy signals for weeks and when I finally got through, they'd transfer me and then disconnect!!!! ARRGGHH!!! So frustrating!

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Anthony Young

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Try using Claimyr (claimyr.com) to get through to SSA. I was in the same boat trying to call about my husband's application when he had his stroke. Busy signals for days! Claimyr connected me to an agent in about 20 minutes. They have a video that shows how it works: https://youtu.be/Z-BRbJw3puU. Absolutely worth it when you're dealing with both VA and SSA systems simultaneously.

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Ryan Andre

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i work at ssdi lawyers office and we see vets all time. VA and social security totally seperate!!! but 80% VA helps show medical evidence for SSDI. u shoulf apply for the SSDI now and keep getting retirement until decision comes. good luck!!!!

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Would hiring a lawyer help with the SSDI application process? I've heard the approval rates are much higher with legal representation.

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Nora Bennett

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One more thing I just remembered - if your husband was deployed in a combat zone after 2001, he might qualify for Wounded Warrior expedited processing through SSA. Doesn't guarantee approval, but gets his application processed faster. Just make sure to mention his combat veteran status when applying for SSDI.

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Jasmine Quinn

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He was in Afghanistan in 2003-2004, so that's good to know! Will definitely mention this when applying. Thank you!

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Based on everything in this thread, here's what I suggest: 1. Apply for SSDI as soon as possible (you can do this while still receiving retirement) 2. Mention his Afghanistan deployment to qualify for expedited processing 3. Submit all VA disability documentation with the SSDI application 4. Consider getting legal representation to increase approval chances 5. Continue receiving retirement benefits until a decision is made If approved for SSDI, they'll switch him to the higher benefit amount. If denied, he continues with his current retirement benefits with no penalty for trying.

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Jasmine Quinn

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Thank you all so much for the helpful advice! We're going to apply for SSDI this week and see if we can get an increase in his monthly benefit. Really appreciate everyone taking the time to explain how the two systems interact.

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Luca Greco

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Just wanted to add one more resource that might help - the VA has Veteran Service Organizations (VSOs) that can assist with both VA and Social Security disability claims at no cost. Organizations like DAV, VFW, and American Legion have trained representatives who understand how both systems work together. They can help ensure your husband's SSDI application includes all the right medical evidence from his VA records and is properly formatted. Since he's already service-connected at 80%, having that established medical history will be valuable for the SSDI claim. Good luck with the application process!

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Ethan Scott

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I just wanted to share my experience as someone who successfully navigated both systems. My husband had a 90% VA rating and we went through the SSDI process last year. A few additional tips that really helped us: 1. When you apply for SSDI, make sure to specifically request they pull your husband's C&P (Compensation & Pension) exam records from the VA. These are incredibly detailed medical evaluations that SSA can use, and it saves time vs having to do all new medical exams. 2. The VA disability rating percentages don't directly translate to SSDI approval, but the underlying medical conditions and functional limitations documented in his VA file are exactly what SSA needs to see. 3. If he has any mental health conditions rated by the VA (PTSD, depression, anxiety), make sure those are included in the SSDI application too. Sometimes people focus only on physical disabilities but mental health conditions can be just as disabling for work purposes. 4. Consider applying online at ssa.gov rather than trying to call - the online application saves all your progress and you can complete it at your own pace with all his military and medical records in front of you. Best of luck with the process! The wait can be frustrating but it's definitely worth pursuing given his rating level.

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Ally Tailer

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This is incredibly detailed and practical advice! I especially appreciate the tip about requesting the C&P exam records - we wouldn't have thought of that but it makes perfect sense since those exams are so thorough. My husband does have PTSD and anxiety rated by the VA in addition to his physical conditions, so we'll definitely include those in the SSDI application. The online application route sounds much better than trying to navigate the phone system that others mentioned having trouble with. Thanks for sharing your successful experience - it gives us hope that this process can work out!

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