Like many Americans, you’ve probably heard of Social Security all your life and know it to be a program set up largely for retirement.You may realize that the Social Security system originated in 1935 as a means of providing benefits for people upon retirement. Yet you also may know that the system includes benefits for disability, death and survivorship.
You also could know that Social Security, in terms of the hundreds of billions of dollars it pays to Americans annually, is the biggest government program on the planet.
Indeed, you may feel you know a lot about Social Security, a historic American program first signed into law by President Franklin D. Roosevelt. But how much do you truly know?
For instance, do you know to what degree age is a factor regarding Social Security benefits? Or did you know that not everything hinges on hitting a retirement age of 65?
Indeed, you can apply for partial Social Security retirement benefits as early as 62, or seek full retirement benefits starting at 65.
As for Social Security Disability Insurance, or SSDI, you can apply for such benefits at any age, as long as you’ve been employed and paid into the system, and have become mentally or physically impaired or disabled, preventing you from working.
The truth of the matter is that many people who receive disability payments, or SSDI benefits, are in their early 60s. They’ve become disabled, but they haven’t yet qualified for regular Social Security retirement benefits.
Yet besides these people at this age, almost anyone who’s disabled but has worked previously and paid into the system can qualify for SSDI. You could be 25 and get disability payments from Social Security.
That said, you may find it easier to get SSDI benefits as an older person. Why? Because your age may make it harder for you to adapt to a new line of work which could eliminate your need for disability payments.
A younger person with little work experience may be considered more adaptable and open to change in a new line of work, thus overcoming the need for disability insurance.
You also should know that if you qualify for SSDI and receive payments, those payments will stop when you reach the retirement age of 65. At that time, you’ll instead receive normal Social Security payments for your retirement. The Social Security system doesn’t expect or require you to work past 65, so disability from a job becomes irrelevant at that time, when standard retirement benefits are available instead.
We hope this has answered your questions about dealing with Social Security depending on your age. If not, we’ll be glad to help you further. All you need to do is alert us via this website’s free consultation form or by dialing the toll free number above.
Regardless of your age, we’ll do our best to help you get the benefits to which you are legally entitled, perhaps with help from an SSDI lawyer. Call or write today and let us get started. Your need for SSDI payments should not have to wait until you get old.
For a free and confidential legal consultation, please call our law firm toll free at 1-800-358-9797 or fill out our online form by clicking below: