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Understanding the Social Security “Disability Freeze”

Although the title of this article is misleading using the word “Jelly,” what it is actually about is a Social Security rule known as the “Disability Freeze.”  For those who collect SS Disability Insurance (SSDI) benefits for a time and later return to work, the disability freeze is a way to protect them from having that time away from work negatively impact their Social Security retirement benefit when they claim. Essentially, the “disability freeze” rule permits Social Security to ignore your period of disability (when you had no earnings) when calculating your Social Security retirement or spousal benefits. The details of how this works are outlined in this “Community 99” article. Click here to read more.

Also, if you’re unsure about your individual situation under Social Security or have questions about your personal benefit entitlements, note that the AMAC Foundation provides an independent free-to-the-public Social Security Advisory service to help Americans navigate the complexities of this program. Learn more about it here…

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