Retirement or Disability?

For those who are approaching or already 62 years old and are unable to work due to symptoms from their medical condition(s) there is a benefit to proving your disability instead of taking early retirement.

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Social Security retirement benefits are reduced for each month a person received benefits before full retirement age (age 67).

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If you prove your disability prior to age 67 you will receive your full retirement age benefits.

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When you reach full retirement age, your disability benefits automatically convert to retirement benefits.  The amount you receive will remain the same.