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.