Senior Citizens Who Become Disabled

The hassle involved with applying for disability benefits may not be worth the effort for senior citizens.
Senior Citizens Who Become Disabled
Someone who's already reached full retirement age will not receive extra disability rates. Prostock-studio/Shutterstock
Tom Margenau
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Disability benefits for senior citizens: It’s a topic I’ve written about before. But because older folks are always asking me about getting disability benefits from Social Security, I don’t mind updating the column every year or so.

First, here are some ground rules that vary depending on your age. If you are over your full retirement age, forget about it. Once you reach that age, disability benefits are no longer payable. To put that another way: The retirement benefit you are getting pays the same rate as any disability benefits you might be due.

Tom Margenau
Tom Margenau
Author
Tom Margenau worked for 32 years in a variety of positions for the Social Security Administration before retiring in 2005. He has served as the director of SSA’s public information office, the chief editor of more than 100 SSA publications, a deputy press officer and spokesman, and a speechwriter for the commissioner of Social Security. For 12 years, he also wrote Social Security columns for local newspapers, and recently published the book “Social Security: Simple and Smart.” If you have a Social Security question, contact him at [email protected]
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