ptsd Ssdi After Retiring @62yo

[Philip Rogers]

Thought I'd mention this. A friend, in my PTSD group, who took his reduced SS retirement, at 62yo, was recently awarded SSDI, thereby raising his SS, to the full rate he would have gotten had he retired at 65yo. He'd received his VA 100% just prior. I didn't know this was possible.

pr

[Philip Rogers]

t&b, you're correct, w/what you've stated, but I'm talking about going from SS early retirement to SSDI. I didn't know it could be done but it apparently can. It would make it easier for someone over age 62 to survive while awaiting an SSDI claim.

pr

Cav, from what I have read @ the ss website. It works like this: You apply for ssdi and you are , lets say 60 yo. and SS awards your claim after 1 year. They wont penalize you for that year of waiting and not working, while your claim is being decided. Once your claim has been awarded, that will be the date of how they determine the amount you recieve, the same as retiring. If your on SSD and when you reach retirement, your SSD turns into retirement benefits at the same rate. If there is another anle to this, I am not aware of it.

Phillip, I not trying to disagree with you. I'm going to go and check my ss statements, along with my awrd letter. Maybe, I have brain freeze or something. It isnt about who is wrong or right. If your friend recieved that. well thats great. I just don't understand it. I'll get back and post on this when I look at my info.

[Cavtrooper088]

Thanks guys. Nooooow if I can just get the two of you to come with me when I start this SSDI thingie :D

Cav

[john999]

You definitely make more on SSDI than on SSA retirement at 62. I think you get a little less if you take SSDI than if you waited until age 65-66. I know that at 62 your SSDI becomes a regular SSA retirement and you keep the same rate.

[Pete53]

Lets make it simpler.

SSD pays at the rate you would get when you reach retirement age.

When you reach retirement it converts to regular retirement at the full rate.

I have been getting mine since 1991 and it has increased about 45% cause of COLA's.

I started at close to max I had good jobs when I worked and now I am about 300 a month behind T&B which means to me the award is rising faster than my COLa's

It looks like if you are going to be on SS it does not pay to live a long life.