Eligibility for Combined Benefits

Understand if you qualify and how benefits overlap:

• You can receive both personal SSDI and Widow's/Widower's benefits but not necessarily the full amounts of each.
• The SSA will typically pay your higher benefit first, then supplement to reach the total entitled amount.
• If your personal SSDI benefits are higher than Widow’s/Widower’s benefits, you may only receive your SSDI.

Impact on Benefit Amounts

How your benefits may be affected:

• Your total monthly payment usually can’t exceed the higher of your two benefits.
• The SSA combines your earnings record and survivors benefits to calculate your payable amount.
• This prevents you from collecting full amounts of both benefits independently.

When Widow’s/Widower’s Benefits Begin

Consider timing for eligibility:

• Widow's/Widower’s benefits usually start at your full retirement age or earlier with reduction.
• Your personal SSDI benefits may continue until you reach your full retirement age.
• SSA rules allow some coordination between these payments depending on your age and disability status.

Effect of Work and Earnings Limits

Keep in mind rules about income:

• Receiving personal SSDI benefits requires that you meet strict work disability criteria.
• Widow’s/Widower’s benefits don't have work limits but are subject to earnings tests if taken before full retirement age.
• SSA will adjust payments if you exceed allowable earnings thresholds.

Special Considerations in New Jersey

State-specific insights:

• New Jersey follows the federal SSA rules regarding benefit coordination.
• Local assistance may help with legal guidance on combining benefits.
• Consulting with experts can help you maximize the benefits you receive based on your unique circumstances.