Are you or someone you know have the option between Disability Social Security and regular Social Security?
Disability Social Security is an area that is not understood by many consumers, and even many advisors. I remember when I was a new National Social Security Advisor, I felt very inadequate to field questions related to the topic.
Disability Social Security equals the amount of the individual’s Full Retirement Age (FRA) benefit. Many times this disability benefit is taken before the actual age of full retirement, but the SSA grants the full benefit amount early.
There are multiple requirements to be eligible for Disability Social Security. It is required that you have a minimum number of working years, wait at least six months before benefits begin, and complete and onerous application and qualification process.
A majority of applicants are rejected, and unfortunately a majority of these individuals stop pursuing the benefit through the appeals process and with qualified help.
Getting professional counsel and pushing through in the process can be beneficial. Getting a Full Retirement Age benefit early can be a huge help. In addition, it can allow the spouse of the disabled worker to activate their spousal benefit once they are eligible.
If you have any questions please feel free to contact me.