Social Security Disability and Early Retirement
Many people aged 62 or older apply for early Social Security retirement benefits, particularly if they are unable to work or find a job. However, what they may not know is that if you opt for early retirement, and then apply for Social Security Disability, the disability benefit will be permanently reduced because of the early retirement. The amount of the reduction depends on how long the person has been receiving the early retirement benefit. This is not a widely known rule and Social Security personnel may not advise a person applying for early retirement of the potential adverse effect of their decision. If you are considering early retirement, it may also be best to apply for disability at the same time (if appropriate) to be sure you receive the maximum benefit. If you have questions or need help with your claim contact my office for assistance.