It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Disabilities Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 06-24-2011, 06:17 PM   #1
Senior Member
(female)
 
Join Date: May 2011
Location: usa
Posts: 192
edrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB User
ssdi/65yr old

a friend of ours is 65 yrs old and still employed. and recently got hurt and can no longer work he said he was going to apply for ssdi. will they give him ssdi if anyone has a answer please let me know.myself i thought when you turn 62 yrs old it turns over to ss

 
Old 06-24-2011, 10:38 PM   #2
Facilitator
(female)
 
SpineAZ's Avatar
 
Join Date: Oct 2005
Location: Wisconsin
Posts: 5,097
SpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB User
Re: ssdi/65yr old

It depends on if 65 is is SSNRA. Social Security Normal Retirement Age.

http://www.ssa.gov/oact/progdata/nra.html

If anyone becomes disabled before SSNRA, they may qualify for SSDI. If the person is 65 now that means likely born around 1946. Anyone born between 1943-1954 has a SSNRA of 66. So yes, they would qualify for SSDI at age 65. Then at age 66 it converts to SS Retirement.

IT'S IMPORTANT NOT TO TAKE EARLY RETIREMENT IF ELIGIBLE FOR SSDI. Early SS Retirement means a reduced SS benefit. So this person should apply for SSDI and not be pushed into early SS Retirement.

If his/her employer offers STD or LTD (Short or Long Term Disability) it's important to apply as often LTD has a provision to pay a minimum of 36-60 months even if working and the person becomes disabled at 65, 70, etc.

When anyone on SSDI reaches his/her normal retirement age (SSNRA) the benefit converts to SS Retirement.
__________________
Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

Last edited by SpineAZ; 06-24-2011 at 10:39 PM.

 
Sponsors Lightbulb
   
Old 06-25-2011, 03:52 AM   #3
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: ssdi/65yr old

Quote:
Originally Posted by SpineAZ View Post
It depends on if 65 is is SSNRA. Social Security Normal Retirement Age.

http://www.ssa.gov/oact/progdata/nra.html

If anyone becomes disabled before SSNRA, they may qualify for SSDI. If the person is 65 now that means likely born around 1946. Anyone born between 1943-1954 has a SSNRA of 66. So yes, they would qualify for SSDI at age 65. Then at age 66 it converts to SS Retirement.

IT'S IMPORTANT NOT TO TAKE EARLY RETIREMENT IF ELIGIBLE FOR SSDI. Early SS Retirement means a reduced SS benefit. So this person should apply for SSDI and not be pushed into early SS Retirement.

If his/her employer offers STD or LTD (Short or Long Term Disability) it's important to apply as often LTD has a provision to pay a minimum of 36-60 months even if working and the person becomes disabled at 65, 70, etc.

When anyone on SSDI reaches his/her normal retirement age (SSNRA) the benefit converts to SS Retirement.
Good advice Spine. My LTD plan when I filed for LTD in 2009 said that if I was still working past age 65 and became disabled, the policy would pay for a max. 60 months (5 years). I just checked the policy for 2011 and nothing has changed. It still says the same thing. I imagine if you go on LTD past age 65, the LTD companies aren't going to bother you too much at these advanced ages.

Here is an example for age 62 (early retirement) versus my SSNRA (age 67) for myself in the year 2004. This is from an actual SSA statement of estimated benefits I received for that year. This is JFYI.

Age 62 = $1186 per month
Age 67 = $1715 per month

If I were able to take early retirement then, total amount received from age 62 to 67 (5 years) = 1186 x 12 x 5 = $71,160

Ok, difference between monthly amounts (age 67 versus age 62) = 1715 - 1186 = $529

71,160 / 529 = 134.5 (monthly payments @ age 67) to break even.

134.5 / 12 = 11.2 years.

Age 67 + 11.2 years = 78.2 years old (to break even)

Now, if you live past age 78, you are getting $529 more than the person who decides to retire early at age 62 from that point forward. If you die @ age 75 for example, you come out ahead financially if you take the early retirement.

*Be nice if one could tell the future. (LOL)

 
Old 06-25-2011, 06:06 AM   #4
Senior Member
(female)
 
Join Date: May 2011
Location: usa
Posts: 192
edrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB User
Re: ssdi/65yr old

thank you for your information our friend has alot to think about.he is 65yrs,on w/c until yesterday,dr said nothing else they can do,he has a attorney he can not lift nothing over 35lb,he said he was going to file for his ss next month for retirment but i think someone told him about getting ssdi,he knows monday if the job will lay him off,have him apply for short term disabilty,they told him his w/c funds were exhusted he has been on w/c 2 yrs, so we will see what happens thanks again

 
Old 06-25-2011, 07:47 AM   #5
Facilitator
(female)
 
SpineAZ's Avatar
 
Join Date: Oct 2005
Location: Wisconsin
Posts: 5,097
SpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB User
Re: ssdi/65yr old

Be sure he is not pushed by SS or anyone else to solely apply for EARLY SS retirement. Since his full SS retirement age is 66 he has to advocate for himself for SSDI. Given his age, and not knowing when he turns 66, he may find SSDI is approved quite easily without as much processing, medical records, etc, that those of us under our 60's have had to provide.
__________________
Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 06-25-2011, 10:02 AM   #6
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: ssdi/65yr old

Quote:
Originally Posted by SpineAZ View Post
Be sure he is not pushed by SS or anyone else to solely apply for EARLY SS retirement. Since his full SS retirement age is 66 he has to advocate for himself for SSDI. Given his age, and not knowing when he turns 66, he may find SSDI is approved quite easily without as much processing, medical records, etc, that those of us under our 60's have had to provide.
Totally agree plus he is really close to SSNRA anyway. Definitely push for SSDI and not early retirement. It will be to his advantage financially. Hopefully, he has enough income to sustain himself in the meantime. Has he looked into LTD / STD like Spine mentioned? If he is still working and has these options available to him, I would definitely use them personally.

 
The Following User Says Thank You to BlueSkies14 For This Useful Post:
SpineAZ (06-25-2011)
Old 06-25-2011, 01:26 PM   #7
Registered User
(female)
 
Join Date: Dec 2008
Location: California
Posts: 1,777
mscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB Usermscat40 HB User
Re: ssdi/65yr old

It is interesting that a person who is close to retirement age and disabled does not have to provide the kind of docuementation the rest of us do.. Social Security maintains that it does not matter what age you are.But, it does. The older the person is the more likely he or she will get a quick approval. Their has been a lot of talk lately about increasing the age of retirement , to save social security in the future. That means the majority of people are going to have to work longer in order to recieve their benefits.

 
Old 06-25-2011, 01:44 PM   #8
Facilitator
(female)
 
SpineAZ's Avatar
 
Join Date: Oct 2005
Location: Wisconsin
Posts: 5,097
SpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB User
Re: ssdi/65yr old

Given that this person is less than 12 months from his/her full SS retirement age it only makes sense to possibly require far less documentation. If he is now being laid off and paid salary up to now he has to meet the mandatory 5 full calendar month waiting period before SSDI begins. Thus the most SSDI he will receive is 7 months. If he's 8 months from 66 he'll have 5 mo waiting period and then 3 mo of SSDI before full SS retirement. In this case it's purely a way to retain his full SS retirement instead of taking reduced early SS retirement.
__________________
Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

Last edited by SpineAZ; 06-25-2011 at 01:45 PM.

 
The Following User Says Thank You to SpineAZ For This Useful Post:
BlueSkies14 (06-25-2011)
Old 06-25-2011, 02:57 PM   #9
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: ssdi/65yr old

Hopefully edrivera61, you will relay to your friend the great points that SpineAZ made. Please come back and update. I am interested in how everything turns out for him.

 
Old 06-25-2011, 05:43 PM   #10
Senior Member
(female)
 
Join Date: May 2011
Location: usa
Posts: 192
edrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB Useredrivera61 HB User
Re: ssdi/65yr old

ill keep posting im wondering how this is going to end myself thanks

 
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
Receiving SSDI - questions about children's benefits. jeninslc Disabilities 14 07-21-2011 09:42 AM
SSDI Award and LTD reimbursement. Getting Screwed? jeff216410 Disabilities 12 07-18-2011 09:42 PM
Difference in $$ Between SSDI and Social Security BrittleBones Disabilities 2 05-13-2011 06:02 PM
60% LTD 40% Employer ???about SSDI PLEASE HELP! jaysue1995 Disabilities 11 03-09-2011 07:30 AM
SSI/SSDI Question Confused simicat Disabilities 11 12-18-2010 08:36 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Join Our Newsletter

Stay healthy through tips curated by our health experts.

Whoops,

There was a problem adding your email Try again

Thank You

Your email has been added








TOP THANKED CONTRIBUTORS



BlueSkies14 (605), mscat40 (414), SpineAZ (411), jgrangran (393), ferd144 (153), gayle428 (147), sunni123 (138), vann04 (103), Jacki345 (95), NElady (75)

Site Wide Totals

teteri66 (1165), MSJayhawk (1000), Apollo123 (898), Titchou (833), janewhite1 (823), Gabriel (758), ladybud (747), sammy64 (668), midwest1 (665), BlueSkies14 (610)



All times are GMT -7. The time now is 02:47 AM.



Site owned and operated by HealthBoards.com™
Terms of Use © 1998-2014 HealthBoards.com™ All rights reserved.
Do not copy or redistribute in any form!