Social Security Disability Benefits and Early Retirement

by michael on February 28, 2011

Most wage earners know that they will receive greater social security monthly retirement benefits by waiting until age 66 rather than electing to receive early social security retirement benefits at age 62. Early retirement benefits are paid at a permanently reduced rate. In contrast, a disabled person who is awarded social security disability benefits (disability insurance benefits) receives the same amount of monthly benefits as that person would receive collecting full social security retirement benefits. At full retirement age, disability benefits are automatically converted to regular SSA retirement benefits.

Therefore, a disabled wage earner approaching 62 or who is between ages 62-65 should first look into filing for regular social security disability rather than filing for early social security retirement.

However, if a disabled worker has no financial choice but to file for early SSA retirement benefits at 62, that disabled person should still file for social security disability benefits. If disability insurance benefits are awarded retroactively prior to the date that early SSA retirement benefits begin, the early retirement application is withdrawn and the disabled wage earner will receive the maximum monthly benefits based upon his/her earnings. Social Security Disability benefits will be offset by the early SSA retirement benefits paid over the same monthly periods. However, future monthly benefits will be paid at the full monthly amount.It is advisable to consult with an Ohio Social Security Disability attorney to further discuss filing for Social Security benefits.

For further information visit Social Security Administration’s  POMS website:


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