Some General Policies of Retirement and Disability
Myler Disability are more than glad to assist clients with various physical and mental disabilities. Myler covers everything from back and neck issues to mental retardation to post-traumatic stress disorder (PTSD). Many of their clients have been rendered with a disability due to an accident or trauma that was not their fault and Myler is always happy to help their clients win. However, one area that tends to be especially complicated is obtaining disability upon or post-retirement due to an injury or an onset of a mental illness.
Disability and Retirement
When someone has been moderately to severely injured or has an onset of a mental illness before they are due for retirement, some choose to take early retirement instead. However, in most cases, this is not the wisest choice. Especially those who take early retirement at the age of 62, can and often have a permanent significantly reduced amount on their benefits. This is based on the number of months that the client still has before reaching the full age of retirement, which is 66.
On the contrary, when such clients do choose to apply directly for SSDI (Social Security Disability Benefits), they are almost guaranteed to receive the full amount by the age of 66. Receiving SSDI and/or retirement benefits are both dependent on the amount of taxes paid to the SSA (Social Security Administration) while the client was working. The only difference is that the retirement benefits that start at age 66 are not reduced.
Another benefit for going directly for SSDI is that those clients get what is called the “disability freeze”. This means that the benefits will disregard any years that those clients received very low or no earnings at all due to the injury or illness.
Disability Benefits are Easier to Obtain after age 60
The reason that disability benefits are much easier to receive after age 60 is because Social Security considers the fact that it can be difficult for older workers to recover speedily, learn new skills and/or make transitions as quickly. However, if Social Security believes that a client is still capable of putting their skills to use with something less demanding, the client may not be approved for full or any benefits at all. Their grids must also take other factors such as the client’s level of education and level residual functional capability. The latter refers to the physical level of work that the client is still capable of doing and it ranges from sedentary to heavy. If a client’s disability renders him or her sedentary, for example, he or she is almost guaranteed to be approved for full benefits. On the contrary, there are no guarantees with the moderate levels and those who can still do heavy levels of work are almost never approved.