If you have applied for Social Security disability, know that it does not preclude you from also receiving other benefits due to you while you wait on a decision. You likely applied to get disability payments because you can no longer work, meaning that a monthly check from the program is a must to get by. Fortunately, since the Social Security Administration is aware of the often long wait period to get approved for disability, it allows applicants who meet the age requirement to start collecting retirement checks.
Technically, you can start receiving retirement benefits at age 62, though it is not considered the full retirement age. This means that if you have recently turned 62 and applied for disability, you could get retroactive payments once your application is approved. In fact, disability payments can go as far back as a year before you applied, so as long as you are approved, you could have more money than you thought coming to you.
However, since you can only start receiving retirement benefits at age 62, you will not get retroactive checks for that service. Also keep in mind that if you do not wait until you are 66 to collect this money, you will get a reduced amount.
If you do get approved for disability payments, in most cases that check will be higher than the retirement benefit, especially if you are younger than age 66. Therefore, disability checks would take the place of retirement checks. While you will not be able to receive both payments at the same time, it is convenient for most people to start getting checks while waiting on a decision regarding their disability payments, which can take months.
This way, if you are not approved, at least you have retirement benefits. Keep in mind that you can also repeal the decision if you do get denied. Contacting a advocate can help get this process started, or answer any questions you might have.
If you or your loved one are suffering from a severe physical or mental disability, you should contact a Social Security Disability advocate immediately to learn about your rights and determine eligibility. The process of securing Social Security Disability Insurance benefits and/or Supplemental Security Income (SSI) can be difficult and overwhelming. Don't go it alone! The disability advocates at LaVan & Neidenberg, located in Ft. Lauderdale, FL understand the inner workings of the Social Security Administration and will help you navigate the system. Call us today for a FREE consultation - 1-888-234-5758.
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