If you are 60 or older and a disability prevents you from working, you can maximize your Social Security retirement benefits – and you may find it easier to be approved for disability also. This post will outline how you can qualify for disability benefits and hold off on your retirement benefits at the same time.
Social Security Disability Lawyer
Whatever your age, the Social Security Disability lawyer at Watson & Carroll, P.C., L.L.O. can help you secure needed benefits to support yourself. Our experienced disability attorney can offer support and advice as it pertains to your debt and circumstances. Call us today at 402-234-8787. You also can share your story here.
Applying For Disability When You Are Older
Securing Social Security disability benefits is typically smoother and more likely successful for people as they get older, especially by their 60th birthdays. While you may opt to take an early retirement rather than apply for disability benefits, that will reduce how much you receive in Social Security retirement benefits. On the other hand, you can get disability benefits until you’re 66, which is what the government considers full retirement age.
By taking early retirement, your monthly benefit amount will be permanently lower than had you waited. How much your monthly Social Security retirement benefit is reduced depends on the full number of months you have until you reach the full retirement age.
If you obtain Social Security Disability Insurance (SSDI) your monthly benefit will be what you’re entitled to receive upon reaching your full retirement age. SSDI benefits are based on how much you have paid in taxes to the SSA. Once you reach the full retirement age, your benefits will automatically convert to regular Social Security instead of disability – but the amount of your monthly benefits will not change.
If you apply for Social Security disability benefits instead of early retirement, you will benefit from a disability freeze. The disability freeze will disregard any years where your earnings were low, or if you didn’t earn money at all, for the time when your disability kept you from working. If you are 60 or older and you cannot work and earn a living because you have a medical condition, you should speak with a Nebraska disability attorney to determine if applying for disability benefits would be the best option for your situation.
The Disability Approval Process
While your age will help your disability claim, you will still need to provide medical records, supporting evidence, and other documentation. If your condition does not meet the criteria of a listing in the Social Security Administration’s Blue Book, you can use a medical vocational allowance. This is where your age is beneficial to a successful disability claim.
A medical vocational allowance uses a residual functional capacity (RFC) form completed by your physician. It will detail what you can and cannot do, explaining all limitations and restrictions. Your age, work history, transferable skills, educational background, and medical condition are all taken into consideration. The disability examiner will then determine if at your age you are capable of retraining for a new job because you can no longer do your regular job duties.
A Disability Attorney Can Help
Because disability claims are complicated, you should enlist the help of a skilled and experienced disability lawyer to increase your chances of getting approved. Our disability attorney at Watson & Carroll has helped thousands of disabled workers throughout Nebraska, Iowa, and South Dakota with their Social Security disability claims. all us today at 402-234-8787. You also can share your story here.
About Watson & Carroll
Watson & Carroll, P.C., L.L.O., is not a high-volume law firm that only speaks with clients when it is absolutely necessary. For us, it’s personal. Our team works closely with our clients and their loved ones – not only so that we understand their challenges and concerns, but so we can tailor our approach to address those factors, aggressively pursue results, and secure peace of mind. Whether it is a workers’ compensation case, a personal injury claim, a medical malpractice case, or advocating for disability benefits, we work to protect our clients and make sure their rights are upheld.