Question:
That is worded poorly, but what I am trying to say is...I filed for SSDI at the age of 60yr and 9 months. If I do not have an answer by the time I am 62, can I ..........SHOULD I go ahead and file for the amount we can get at age 62?
I would have to live past 79 for me to break even with the 62 vs 66 year old thing. My wife cannot collect my SS. She is a calif. school teacher.
Back to the original question: I am officially "permanently disabled"...lower back. Morphine pump is best bet right now. I was told about my permanent disability in March or April 2006. I have not worked since 2003 and only part time in 2001-2002-2003. I will never work again.
Can I legally file at age 62 if I have not been approved for SSDI? I don't want to hurt my claim, but I don't want to lose several months pay either.
Ideas? Has anyone done this? Thanks.....
Answer:
I must have worded this poorly....no answers after 24 hours. I'll try again.
If we file for SSDI and don't get an answer before we are age 62, and therefore elegible for the reduced amount of Social Security benefits....can we still legally file for the lesser amount?
Now, let's say I am 63 years old now (I am actually 61 yr, 2 weeks old today)
but suppose I filed and was given the lesser amount at age 62. Call it $1000 a month. My amount if I wait until I am 66 years old is around $1,600 a month.
IF they approved my SSDI at age 63, I would think they would have to pay me all the back SSDI to the date I filed. And deduct the amount paid me since age 62. I know I can ask SS about this, but I prefer to leave them alone ....lest I muddy the waters and cause confusion.
I hope this makes sense and I hope someone has done it or seen it.
My FEAR is that if I file for the lower amount, they will see that and throw out my SSDI request.
Answer:
You cannot collect Social Security Disability & Social Security Benifits (at least in the state I reside in). I believe that is what you are asking.
Not sure if all states have the same laws. You may need to discuss w/an attorney that deals ONLY with Social Security Disability cases.
I will need to make a decision in 7 years.
I just got on SSD last year. My first review is suppose to be in 7 years when I will be 63 years old!
According to the SSD manual I will need to make a decision of which one I want. Of course I am going to take the one w/the most $$$$$ if I am still breathing!
Answer:
It has been my underestanding that regardless of state you can not collect both, it's one or the other. Generally SS will pay you the higher of the two amounts. If an individual is on SSDI at the age of retirement the SSDI is just simply renamed "social security" but their amount will remain the same if it is the higher of the two amounts (and the vast majority of the time it is)
The best thing to do would to be to talk to a lawyer or SS themselves instead of trying to guess if you qualify and if so would you need to repay any amount because your situation is often not the norm.
Answer:
I don't know about the timeing of filing situations.
There is no reason not to call and ask them.
However I do know that if BEFORE age 62 you are already collecting SSDI (disability), then at age 62 it automatically reverts to being simply regular retirement SS (old age retirement benifits).
It's automatic that at 62 your classification changes.
Happened to my elderly mother and to a neighbor.. automatically..they did not have to do anything. SS simply notified them that thier classification changed.
There was no changes or disruption in the amount or delivery of thier checks. Everything was the same, except the official classification changed.