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Retired and Disabled? Applying for Disability While on Early Retirement

Can I apply for Social Security Disability Benefits while receiving early retirement?

The quick answer to this is yes.  But first let’s review what early retirement is. Once you turn 62, you may opt out for early retirement from Social Security instead of waiting for your full retirement at age 66 or 67.  The trade off is that you are agreeing to a reduced amount of retirement money from Social Security since you are receiving your retirement check a few years before your full retirement age.  Typically, an early retirement check is 70-80% of what the full retirement check would have been if you had waited to age 66 or 67.

Monthly Social Security Disability benefits are almost the exact same amount as your monthly full retirement check.  So if you are receiving an early retirement check and you suffer from a severe mental or physical impairment you would want to go on disability so that you can get the larger check per month.  Social Security does allow you to apply for disability while you are receiving early retirement; however, to receive the higher monthly amount you need to prove that your disability occurred prior to the date you started receiving early retirement.

To clarify this, let’s look at a hypothetical scenario of John Doe.  John is 62 years old and has the option of waiting for his Social Security retirement at age 67 when he will receive $1000/month, or John can start receiving Social Security retirement now at the age of 62 at a reduction of $700/month.  John suffers from a physical illness, and he is not able to work so he needs the income.  John decides to take early retirement and starts receiving $700/month.  John also applies for Social Security disability for his physical illness.  If John is able to win his disability case and he is able to prove that this disability occurred prior to the date he went on early retirement, he will start receiving $1000/month instead of the $700.  Better yet, Social Security will go back and pay him the difference for all those months that he was eligible for disability.  The other great benefit to John is that he will now be eligible for Medicare since he is over the age of 50 and is disabled.

Contact us to learn more or get a free attorney consultation: call (678) 228-8688 or click here.

Our Firm Approach

There are many Social Security disability law firms throughout Georgia. What sets The Khaki Law Firm apart from the rest? Why should you choose us? We are honored to represent those who have worked hard most of their lives, but due to a mental or physical impairment are no longer able to maintain employment and earn an income.

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We Are Here For You!Contact Us Now For a Free Consultation

Have you had to stop working due to a physical and/or mental disability?YesNo
Have you seen a medical professional in the past 6 months for your disability?YesNo
Have you been advised by your medical professional that you are unable to work and need to file for disability?YesNo
Have you made an application for social security disability and/or had a hearing in front of an Administrative Law Judge?YesNo
Are you currently or have you in the past received any benefits from the Social Security Administration?YesNo

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Contact Info

With offices in Alpharetta, Atlanta and Marietta, we provide legal assistance to people throughout Georgia and the Southeast in all matters of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

We are ready to help you, and offer multiple ways to reach us.