I have a disabled adult child. Am I able to collect full benefits at 62 instead of 67 because my disabled child lives with me and is my dependent.

Hi,

You can potentially qualify for unreduced child in care spousal or survivor benefits at any age if you have a child in your care who is under age 16 or disabled, although benefits are sometimes reduced due to the family maximum benefit.

However, if you're referring to receiving unreduced Social Security retirement benefits based on your own earnings history at age 62, then the answer is no. Even if you have a disabled child in your care who could qualify for benefits on your record, if you start drawing Social Security retirement benefits prior to your full retirement age (FRA) your benefit rate is reduced for age.

You may want to strongly consider using our software to analyze your options in order to determine your best strategy for maximizing your benefits.

Best, Jerry