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SSD: How benefits affect retirement accounts

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When people in North Carolina begin to receive Social Security benefits, they are likely to be grateful but confused about receiving benefits while still holding onto retirement accounts. Will your pension be eliminated? Will you receive lower monthly payments because of SSD? Understandably, it can be a daunting thing to think about not receiving that pension you’ve worked so hard to earn. The following includes further information on how SSD affects work and retirement accounts.


Before diving into how SSD affects work and retirement, it is important to note that there are essentially two types of benefits you can receive from the government. These include SSI and SSDI benefits. SSI is the traditional benefits program that many people will use to live once they are at least 65 years old. In addition, SSI will usually be collected by lower-income individuals. SSDI offers benefits to those who’ve accumulated enough work credits throughout their working life.

How SSI Affects Your Retirement

In this case, your pension is likely to be affected by your Social Security income because there are strict rules regarding personal finances. For example, if you are found to be receiving too much money from your pension, your benefits may decrease.

How SSDI Affects Your Retirement

When it comes to SSDI and your retirement, you’re not likely to see any changes to either fund. This is usually due to the fact that most pensions are not exempt from paying Social Security taxes.
Of course, you may face certain legal obstacles along the way to receiving your benefits. You may want to ensure that you have an attorney experienced in Social Security benefits at your side throughout the entire process.

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