Disability Requirements for Over 50 in Richmond & Charlotte
Social Security Disability Rules Shift in Your Favor When You’re Over 50
Here’s at least one good thing about turning 50: If you can’t work because of your health, your chance of winning Social Security Disability Insurance (SSDI) benefits increases over 50.
That’s because rules the Social Security Administration (SSA) uses to decide your eligibility for benefits become easier at this age.
When you’re applying for disability benefits, make sure your age works in your favor. The attorneys at Hunter & Everage can ensure your application is complete and accurate so you get all the benefits you deserve.
Call Hunter & Everage today to help with your disability claim.
What Changes for You Over 50?
The age difference in SSDI eligibility comes into play with one of the major factors Social Security Disability considers to decide on your benefits – whether you can adjust to a different kind of work from what you did before.
Maybe your previous work was a physically demanding construction job, for example. Social Security could determine your health problems make it impossible for you to continue in that kind of work.
But if the SSA decides you could perform a more sedentary job, like a clerical job in an office, it will still deny your claim.
When you’re under 50, the SSA is more likely to say you could move to a different kind of job.
When you’re over 50, the SSA considers it harder for you to switch jobs. And that’s why it gets easier for you to win benefits.
What Social Security Disability Age Group Are You In?
The SSA has three age categories for disability benefits:
- Younger person: You’re in this group when you’re under 50. To win disability benefits, you must prove you cannot perform ANY job your education and background might qualify you to hold. So for a “younger person,” you have to go beyond showing that you can no longer perform your last job.
- Closely approaching advanced age: Social Security says you’re “closely approaching advanced age” when you’re between ages 50 and 54. Their term, not ours. This age, the SSA says, “significantly affects a person’s ability to adjust to other work.” So you no longer have to prove that different kinds of work would be impossible for you because of your medical condition.
- Person of advanced age: You’re in this group when you’re 55 or older. At this age, the SSA disability rules get even more lenient when it comes to deciding whether you have to adjust to a different kind of job.
What Should You Do when You Approach Retirement?
As you near retirement age and experience more health problems than when you were younger, you might be tempted to retire early and begin drawing Social Security retirement benefits.
But be careful. Retiring early means reduced benefits for retirement.
Because the disability rules are more flexible when you’re over 50, you might be better off applying for disability benefits and waiting until full retirement age to officially retire.
Every situation is different. The team at Hunter & Everage can help you decide what’s best for you. We will review your case for free.
Get Help With Your Disability Claim
No matter your age, when health problems are pushing you out of work and threatening your ability to support yourself financially, call us.
We will make sure your application for Social Security Disability benefits – or your appeal – include important considerations about your age.
It costs you nothing to get started. The attorneys at Hunter & Everage will evaluate your case for free.