Eligibility for Both Benefits

When applying in Oregon:

• Personal SSDI benefits are based on your own disability record.
• Widow's/Widower's benefits depend on your deceased spouse’s earnings record.
• You may qualify for both benefits under certain conditions but cannot receive both full amounts simultaneously.

Benefit Amount Comparison

The SSA will:

• Calculate both your SSDI and Widow's/Widower's benefits amounts.
• Pay you the higher benefit only to maximize your total payments.

Effect of Receiving Both Benefits

Understand that:

• Receiving personal SSDI benefits may reduce or delay your eligibility to get the full Widow's/Widower's benefit.
• The combined benefits will never exceed the highest monthly benefit you qualify for.

Impact of Early or Delayed Claims

Consider these points:

• Claiming Widow's/Widower's benefits early(before full retirement age) may reduce amounts.
• Delaying Widow’s benefits can increase monthly payments, but SSDI receipt factors into timing.

Reporting Income and Benefits

• Accurate reporting of your SSDI benefits is critical to avoid overpayment or benefit suspension.
• The SSA regularly reviews and adjusts combined benefits accordingly.

State-Specific Rules in Oregon

• Oregon follows federal guidelines but may have local resources to assist with benefit coordination.
• Consult a professional to understand detailed state impacts on your benefits.