Social Security Disability Resource Center

If You Are 62, Should You File For Social Security or Social Security Disability?

You should file for Social Security retirement if you are sixty-two years old, and your work does not interfere with your ability to receive a benefit. However, if are not working due to a medical and/or mental impairment at the age of sixty-two, you may wish to consider filing for Social Security disability at the time you file for your Social Security retirement. Yes, you can file for both retirement and disability at the same time.

You may wonder how that would be beneficial to you? Well, if you are unable to work due to your impairment or impairments, you probably could use some money coming into your household. Social Security allows an individual to draw their Social Security retirement benefit while they wait for a decision as to their disabled status.

When you file for Social Security retirement at the age of sixty-two, you are going to receive a reduced benefit for early retirement. This benefit reduction is a permanent reduction that will not change to a higher benefit at your full retirement. However, if you file for disability at the same time you file for your early retirement and are deemed to be disabled by Social Security, your reduction for early retirement will be lessened.

What do I mean by “lessened”? Social Security may set your medical onset to the date you became disabled to work, and if that date plus the five month Social Security disability waiting period is prior to your month of entitlement to retirement benefits you will receive no reduction to your benefit.

However, if your disability entitlement date is longer than the five month disability retirement, Social Security will only reduce your benefit by the number of months you received retirement benefits prior to your entitlement to disability benefits. While this would not allow you to receive a benefit equal to your full retirement benefit, it will increase your reduced retirement benefit amount.

Of course you always have to option of not filing for a reduced retirement benefit while you wait for your disability decision. It really depends upon your own financial needs at the time you file for a Social Security benefit.

  • Index of Social Security Disability SSI Questions and Answers

  • 56 Answers to Social Security Disability SSI Questions

  • SSDRC Homepage:

    Social Security Disability and SSI Resource Center

    The Most Basic questions about Getting Disability Benefits

    Social Security Disability and SSI Back Pay Benefits

    Social Security Disability SSI and whether or not you can work

    How long does it take for Social Security Disability or SSI?

    Social Security Disability SSI Awards and Award Notices

    Tips, Mistakes, How to Qualify, and How to Win Disability

    Tips and Advice for Social Security Disability and SSI Claims

    Common Mistakes to avoid after being denied for Disability

    Disability Qualifications and How to Qualify for Disability Benefits

    Winning Social Security Disability or SSI, How to Win

    Denials, Appeals, and Getting a Disability Lawyer or Representative

    What you should know about Social Security Disability and SSI Denials

    Social Security Disability and SSI Appeal Process - How to file appeals

    Questions about Disability Lawyers and Hiring a Disability Attorney

    Various Types of Benefits including SSI, Mental, and Child benefits

    SSI Disability Benefits, Questions and Answers

    Social Security and SSI based on Mental Disability

    Social Security Disability or SSI Benefits for Children

    Disability Benefits through Social Security

    Information to start with regarding Disability Claims

    An Overview of Social Security Disability and SSI

    What is considered a Disabling condition by Social Security?

    The Disability Requirements to be eligible for SSD and SSI Benefits

    Filing for Social Security Disability or SSI Benefits

    Social Security Disability and SSI Applications

    Social Security Disability SSI List of Conditions and Impairments

    Social Security Disability SSI: Medical Evidence and Records

    Filing your claim for disability benefits

    Eligibility for receiving disability benefits

    Resources on this site

    Social Security Disability, SSI Terms and Definitions

    Previously answered questions regarding SSD and SSI

    The SSDRC Disability Blog

    For Individuals living in North Carolina

    Disability in North Carolina

    North Carolina Disability Lawyer

    Getting disability in North Carolina

    Related pages:

    Does social security contact your former work employers when you file for disability?
    Can You File For Disability While Receiving Unemployment?
    When should you File for Disability benefits with the social security administration?
    Do You Have To Be Out Of Work For A Long Time Before You Can File For Disability?
    Filing for Disability Online or over the phone
    Who Do I Contact To File For Disability Benefits from the Social Security Administration?
    How long does it take to hear an answer after filing for disability?
    You can file for disability for a mental disorder or problem if it interferes with SGA
    If You File For Social Security Disability How Far Back Will They Look At Your Medical Records?
    What if you Move out of State after you apply for Social Security Disability or SSI?
    When should you apply for Social Security Disability?
    What Happens When You File an SSI or Social Security Disability Application?

    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 answer some of the most basic questions for individuals who are considering filing a claim.

    Filing for disability - How to file for SSD or SSI and the Information that is needed by Social Security
    How to Apply for Disability - What medical conditions can you apply and qualify for?
    Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?
    What happens if I file a disability application and it is denied by a disability examiner or Judge?
    How to Prove you are disabled and qualify to win disability benefits
    How do you prove your disability case if you have a mental condition or impairment?
    Social Security Disability Back pay and How Long it Takes to Qualify for it and receive it
    Social Security Disability SSI - Eligibility Requirements and Qualifications Criteria