Social Security Disability Age 55

Social security has set up age categories to help with the disability decision process.

Social security disability age 55.

Many people applying for social security disability are age 55 or older and have worked hard for their entire adult life. A 500 spouse s benefit would be reduced to the spouse s benefit is reduced by 5. Ssa realizes the older a worker is the more likely the worker s impairment can reduce or eliminate the ability to work. Full normal retirement age months between age 62 and full retirement age 2.

But now due to a medical condition they cannot do their job any longer. Individuals who are 18 to 44 are considered young individuals those 45 49 are younger individuals those 50 54 are considered to be closely approaching advanced age individuals who are 55 and over are considered advanced age and individuals 60 65 are. To help with the disability determination process the ssa has set up several age categories. Those ages 45 to 49 are classified as younger individuals.

For many of my clients age 55 is often the key age that separates approval and denial of disability benefit claims. Social security disability rules if you are between the ages of 55 and 59. In fact social security disability beneficiaries are more than three times as likely to die in a year as other people the same age. Many of these workers are denied benefits when they apply for disability despite a lifetime of paying into the social security system.

Age 55 is the magic age. Ssa has special considerations for workers over 55 years of age and factors this age into the disability determination process. Whatever your age when you claim social security disability insurance ssdi social security sets your benefit as though you had reached full retirement age. Full retirement age or fra is the point at which you qualify for 100 percent of the benefit social security calculates from your lifetime earnings.

For example if the claimant indicates that he is a 25 year old male on the ssa 3368 bk but mer indicates he is 45 years old an age discrepancy has occurred and must be resolved. This is because once you reach age 55 you can receive ssdi or ssi benefits if. An age discrepancy can occur if the claimant s age on the application significantly conflicts with medical evidence of record mer in the case. Those ages 18 to 44 are considered young individuals.

Individuals ages 55 and older are considered advanced age. For more information see our article on getting disability when you re almost 50 55 or 60. Ages 50 to 54 are applicants considered to be close to approaching advanced age. If you would qualify for disability under these rules and are severely disabled the ssa can be persuaded to use the older age grid.

Many claimants in the 55 59 age group can win disability approval using the grids.