I am 62, Can I get Social Security Disability Insurance?Who can receive Social Security Disability Insurance? Workers can win Social Security Disability Insurance if they can prove that they have a severe physical or mental impairment which does not allow them to perform substantial gainful activity (SGA).
The workers disability must be expected to last for at least 12 continuous months, and it must be so severe that it keeps the claimant from working their current job, work they have performed in the past and from retraining for new work they may be suited to perform given their age, medical condition, work history and residual functional capabilities to work.
Early Retirement or Social Security Disability Insurance?
So what if you are 62 years of age? Is it too late to get Social Security Disability Insurance (SSDI) or should you simply apply for early retirement? There are several issues to consider.
1. Can you receive SSDI and Early Retirement at the same time?
If you are currently receiving early retirement benefits you may not receive both disability benefits and SSA retirement benefits at the same time. Does this mean you cannot apply for SSDI benefits? No, if you have a severe condition that does not allow you to work for at least 12 continuous months you can apply for SSDI. If you are awarded SSDI benefit you will receive an SSDI payment instead of your early retirement payment.
Prior to applying for Social Security Disability Insurance you need to contact the SSA and find out your estimated SSDI benefit payment. Some claimants may be pleasantly surprised to find out that if they do win SSDI benefits that their payment will be higher than their early retirement payment.
Keep in mind, if you are receiving SSDI benefits when you reach your full retirement age your SSDI payments will be converted to retirement benefits automatically by the Social Security Administration.
2. How long will it take to get SSDI benefits?
This is probably the most important consideration for older claimants. Older claimants generally have an easier time winning SSDI benefits, but due to the increased number of claimants applying for benefits, it can take weeks or months for many claimants to win Social Security Disability Insurance.
3. What do you need to win SSDI benefits?
The SSA makes their decision almost exclusively by reviewing a claimants medical files. What does this mean for you? You need to make sure your medical records clearly outline your medical diagnosis and why you are unable to work. There are some conditions that the SSA will automatically consider disabling (See SSA Blue Book), but most claimants will need thorough medical documentation that outlines, not only the severity of their condition, but also the symptoms that keep the them from performing work.
How do you know what decision is best for you? You can contact the SSA at 1-800-772-1213 to discuss your SSDI claim with a Socials Security Disability representative or you can contact a disability lawyer who can review your information and help you make a decision.
Hiring a Social Security Disability Lawyer
If you would like a Social Security Disability attorney to review your claim you can fill out the FREE evaluation form and a disability advocate will call you to review your Social Security Disability Insurance claim or you can call our office at 1-800-641-3759 to talk to someone now.