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When Should I Start Drawing Social Se...

Social-Security-Disability-Forum » When Should I Start Drawing Social Security Retirement Benefits?  

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Brad Williams (Brad)
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Username: Brad

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Registered: 7-2006

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Posted on Friday, November 02, 2007 - 6:27 am:   Edit Post Delete Post View Post/Check IP    Move Post (Moderator/Admin Only) Ban Poster IP (Moderator/Admin only)

Should I file for Social Security Disability, or Social Security Retirement?

Answer: Both.

Detailed answer:

Here is what you should do if you are near 62 (60 for widows or widowers), might be disabled, are not working steadily, and need money:

File for Social Security Disability now. 3 months before early retirement age, file for retirement. Early retirement age is 60 for widows and widowers, and 62 for everyone else.

Why: You will get your Social Security Retirement to survive on, and if you win your disability case, they will go back and pay you the difference between Social Security Disability and Social Security Retirement benefits for every month during which you proved that you were disabled. Social Security Disability benefits, at any age, are approximately what Social Security Retirement benefits are at "full retirement age," which is about age 67 or so.

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