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Home :: FAQ :: Basic Questions Social Security Disability

If I am disabled or thinking of retiring what are my options and what do I need to consider?

As you approach the age when you can receive Social Security retirement benefits, you have options to consider and decisions to make.  Before making your retirement decisions, a filing for disability, we hope you will consider all the options.

There are important questions that you need to ask yourself.  At what age do you want to begin receiving benefits?  Do you want to stop working and receive benefits?  Do you want to work and receive benefits at the same time?  Or do you want to work beyond your full retirement age and delay receiving benefits?  Will it be financially advantageous to go on disability and file for retirement?

When you continue working beyond full retirement age, your benefits may increase because of your additional earnings.  If you delay receiving benefits, your benefits will increase because of the special credits you will receive for delaying your retirement.  This increase benefit could be important to you later in life.  It also could increase the future benefit amounts your family and survivors could receive.  This is why you should also consider filing for SSDI if you are incapable of working the equivalent of a 40 hour work week due to physical or mental limitations.

Each person’s retirement situation is different.  It depends on the circumstances such as health, financial needs and obligations, family responsibilities, amount of income from work and other sources.  It also may depend on the amount of your Social Security benefit.

We hope the following information will help you make your retirement decision.