[MelodyL]

Here's a simple question. If a person, born in 1947 and on disability, turns 65 this year, is THIS the year that he would have been retired and go on Social Security?

Alan just said "no, it's when you turn 66, that the disability converts into regular Social Security" I think it's when you turn 65.

Is he correct?

The reason I ask is that he turns 65 in June and the mail just came and he got this card that says "Welcome to Medicare, there are things you should know this year"

I took that to mean that when Alan turns 65, his disability converts to Social Security.

Thanks much

Melody

[mrsD]

It is 66 now (for me-1946). I gave you a site about this in the past, I seem to recall? If you go to Social Security or type into Google "social security age changes" you'll get that information.

You have to have the correct number of "credits" still to be eligble for SS at the retirement age.

[MelodyL]

Originally Posted by mrsD

It is 66 now (for me-1946). I gave you a site about this in the past, I seem to recall? If you go to Social Security or type into Google "social security age changes" you'll get that information.

You have to have the correct number of "credits" still to be eligble for SS at the retirement age.

Yes I remember now.

66. I hear they are trying to change this eventually to 70.

OMG!!

Mel

[Psych.04]

Don't you have a choice to choose disability or social security. Isn't it disabiliity that may pay more?

[mrsD]

Medicare still starts at 65 though. I got a thing from my insurance ... gotta do that soon.

I'll be applying for SS in Nov this year.

[Janke]

Originally Posted by Psych.04

Don't you have a choice to choose disability or social security. Isn't it disabiliity that may pay more?

There is social security disability and social security retirement. Can't get both. If a person waits to file for social security retirement at full retirement age (now 66 heading up to age 68) there is no reduction for early retirement.

[Mz Migraine]

Originally Posted by Psych.04

Don't you have a choice to choose disability or social security. Isn't it disabiliity that may pay more?

Check out Effect of full retirement age on disability benefits

[finz]

Originally Posted by Janke

There is social security disability and social security retirement. Can't get both. If a person waits to file for social security retirement at full retirement age (now 66 heading up to age 68) there is no reduction for early retirement.

Originally Posted by Mz Migraine

Check out Effect of full retirement age on disability benefits

Ok....to be clear (because I got overly excited when reading Janke's post hoping that might mean my monthly benefit would go up when I reach full retirement age, which looks like I was reading something into it which just wasn't there after checking out Mz Migraine's link)

If you are disabled younger than retirement age and have your quarters in, you apply for SSDI. If you are disabled and low income, you apply for SSI.

If you are disabled, have your quarters in, and are old enough to apply for early retirement you would apply for SSDI because that would mean more money than your lowered retirement rate.

You are eligible for Medicare 24 months after your recognized disability date OR when you are 65, whichever comes first.

If you are collecting SSDI, when you reach full retirement age your benefits will stay the same, but the source of the payment switches to SS Retirement from SSDI.

Is that correct ?

If you are disabled, but not approved for SSDI yet, and old enough for early retirement, can you take early retirement to get some benefits coming in while you wait on the SSDI decision and still bump up to the full SSDI rate when you get approved ? What about if you decided to take early retirement benefits and THEN became disabled ? Then would your SSDI rate be slightly lower than the first example because you weren't working recently and the income from early retirement is less than your past salary ?

Sorry to hijack your thread Melody ! I see that you did get your answers.....and some of them triggered questions for me !

[MelodyL]

Originally Posted by finz

Ok....to be clear (because I got overly excited when reading Janke's post hoping that might mean my monthly benefit would go up when I reach full retirement age, which looks like I was reading something into it which just wasn't there after checking out Mz Migraine's link)

If you are disabled younger than retirement age and have your quarters in, you apply for SSDI. If you are disabled and low income, you apply for SSI.

If you are disabled, have your quarters in, and are old enough to apply for early retirement you would apply for SSDI because that would mean more money than your lowered retirement rate.

You are eligible for Medicare 24 months after your recognized disability date OR when you are 65, whichever comes first.

If you are collecting SSDI, when you reach full retirement age your benefits will stay the same, but the source of the payment switches to SS Retirement from SSDI.

Is that correct ?

If you are disabled, but not approved for SSDI yet, and old enough for early retirement, can you take early retirement to get some benefits coming in while you wait on the SSDI decision and still bump up to the full SSDI rate when you get approved ? What about if you decided to take early retirement benefits and THEN became disabled ? Then would your SSDI rate be slightly lower than the first example because you weren't working recently and the income from early retirement is less than your past salary ?

Sorry to hijack your thread Melody ! I see that you did get your answers.....and some of them triggered questions for me !

Oh, hijack away. We all have to help each other in this world.

Melody

[marie65]

If a person has been on ssdi since age 62 and was born in 1947 and they start feeling better can they go back to work at age 66.. without being penalized... when ssdi converts to regular ss?