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Does Disability pay more than Social Security?
Does disability pay more than Social Security? Speaking as a former disability examiner and as a Disability Claims Representative, I would say the answer is no. Why is that? You have to consider what the purpose of Social Security Disability is. And that purpose is this: to allow you to receive the benefit you would get at retirement age, but to receive it earlier on the basis of being disabled.
So, no, disability does not pay more than Social Security retirment. Except for one situation, that is. If a person is in their sixties and decides to take their Social Security retirement early, they will receive a reduced amount and this is usually about thirty percent less. If that same person decides to file for disability and gets approved, they can receive the amount that is equal to their full retirement amount with no reduction.