Ask Larry

Can I File For Social Security If I'm 58 And On Disability?

I am 58 on disability i was wondering can i file for social security

Hi,

I'm not sure I follow you. You can't qualify for Social Security retirement benefits prior to age 62, even if you're disabled. Also, if you're already collecting Social Security disability benefits (SSDI), you could never collect both SSDI and Social Security retirement benefits at the same time.

When you receive SSDI benefits, it's essentially like collecting your unreduced Social Security retirement benefits early. SSDI benefits automatically convert to regular Social Security retirement benefits at the same benefit rate when a person reaches their full retirement age (FRA).

If you're eligible for auxiliary or survivor benefits based on another person's record, then you might be able to collect those benefits if your auxiliary or survivor rate is higher than your SSDI rate. But, there isn't enough information in your question for me to know whether or not you might be eligible for any other types of Social Security benefits.

Best, Jerry

Posted: 
Sep 30 2020 - 11:15am
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