Overview of Disability

Disability Back Pay

Disability Requirements

Disability Applications

Disability Advice Tips

How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

Recent Questions

SSDRC Disability Blog

Based on my age, is there any benefit in applying for disability?

"What a great website to explain disability applications. I have a question that is not covered in your information as far as I can tell.

I will be 63 this month. I took an early retirement at age 62. I retired under the windfall elimination provision so I receive a very small check. I have developed several medical conditions and feel I would more than likely qualify, at some point, for a disability.

Based on my age and the windfall elimination provision, is there any benefit to apply for disability?


I am not sure, but I doubt it. Most civil service employees have enough credits to be insured for retirement because the threshold of forty quarters over a lifetime is easily met.

However, to be insured for disability you would have had to have five years of Social Security wages in the last ten years prior to becoming disabled. If you did not develop the medical problems until after the age of 62, again it is going to be difficult unless you have worked five out of the last ten years.

Lastly, a disability benefit may be a small amount, larger than your retirement but not much. Any retirement check you have been paid will reduce your disability amount.

The WEP provision for civil service significantly reduced both retirement and disability benefits.

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

Avoiding Mistakes to get your Disability Claim Approved
Determining Social Security Disability and SSI eligibility
What Forms Do You Use to File For Social Security Disability?
How a Social Security Disability or SSI award is made
Disability tip: A "proper" statement from your doctor can have a dramatic effect
Disability tip: Be ready for your disability application before the process even starts
Disability tip: Getting your medical records yourself could jumpstart your case
Disability tip: Never minimize your pain or other symptoms because this can be used against you
Disability tip: Strengthen your case by providing the details of your work history
Disability requirements and how to file in South Carolina
Medical conditions for which you can file and apply for disability

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

These pages provide answers to basic questions about pursuing disability benefits

What Mental Problems Qualify for Disability?
Disability for a mental condition
Tips for Filing for disability
Financial Help Filing For Disability
Checklist for filing for disability, SSI or SSD
Qualifying for disability benefits, how to qualify for SSD or SSI
Filing a disability application: the steps
Disability award notice, how long it takes to get benefits
How to Apply for Disability - Where do I go?
What makes you eligible to get disability?
How to check my disability claim status?
Can a disability attorney speed up a disability case?
SSI disability Award Letter
How long to get approved for disability?
How to apply for disability benefits
How long does disability back pay take?
What are qualifications for getting disability?
What medical conditions can you file disability for?
Disability Lawyer help questions
Social Security Attorneys, Disability Representatives