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When a person is suffering from a disabling condition and near retirement age, they may face the question of whether they should apply for disability benefits or wait until they reach retirement age to collect their benefits.
It is important to know that even if you are nearing full retirement age, you should still consider applying for disability benefits.
The Social Security Administration (SSA) offers two main disability benefit programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These programs provide financial assistance to individuals who are unable to engage in substantial gainful activity (SGA) due to a disabling condition.
While SSDI is primarily based on an individual’s work history and contributions to the Social Security system, SSI is a needs-based program available to disabled individuals with limited income and resources. Both programs have specific eligibility criteria, including medical requirements and limitations on income and assets.
One of the primary advantages of applying for disability benefits before reaching retirement age is the opportunity to receive full retirement benefits early.
By applying for disability benefits before retirement, individuals can potentially access full retirement benefits ahead of schedule, providing a crucial source of income to them and their families.
Additionally, receiving disability benefits can offer access to other important resources, such as Medicare or Medicaid, which can help cover healthcare expenses. These benefits can be invaluable, especially for individuals with significant medical needs or costly treatments.
The application process for disability benefits can be lengthy and complex, often involving multiple levels of review and appeals. Therefore, it is important to initiate the application process as soon as possible, regardless of how close you are to retirement age. By doing so, individuals can expedite the process and ensure that they receive the support they need in a timely manner.
Applying for disability benefits before retirement can be a crucial decision for individuals facing disabling conditions. By doing so, individuals can potentially access full retirement benefits early, along with essential healthcare services through Medicare or Medicaid.
If you are ready to apply for disability benefits or have been recently denied, contact the lawyers of Berger and Green for a free no obligation consultation. We can help get you the benefits you deserve.
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