Recent data shows that as of June 2023, almost nine in ten people 65 and older receive a Social Security Benefit.
However, those receiving social security benefits can only claim until they reach the age of 65, which is why many individuals receive an SSDI review at age 64. This review will determine if a senior receiving disability benefits can go on to getting retirement benefits once they reach 65.
Unfortunately, SSDI benefits and reviews can be challenging to understand and navigate, which is where an Ohio attorney from Dyer, Garofalo, Mann & Schultz comes in handy.
Our law firm has a team of dedicated attorneys who can help you learn more about the review process. We can also help you learn how to switch to your Social Security retirement benefits after your SSDI benefits have run their course. However, before reaching out, learn more in this blog.
First, you must understand that an SSDI review can occur at age 64, but it’s unlikely because no specific review is typically needed at this age.
This is because most people will switch from receiving SSDI benefits to retirement benefits between the ages of 62 and 66, either automatically or by choice. In addition, those who are 66 cannot continue to claim SSDI benefits as it will no longer be an elective option once this age is reached.
During the review process, you should expect to provide records of your work experience and documentation showing the severity of your ailment that prevents you from working. Whether you’re joining the SSDI benefits program for the first time at age 64 or want to continue receiving these benefits for two years, you must provide the necessary documentation.
It’s also notable to know that those who have been receiving SSDI benefits for a while and who are older can expect extended periods between reviews. The elderly will enjoy seven-year review intervals rather than the standard three. This means that if you were 57 at the time of your last review, you can expect your next SSDI review to be at age 64.
If you’re approaching the age of 62 and are debating whether you should switch from receiving SSDI benefits to Social Security retirement benefits early, you might be wondering if it’s a good idea.
Ultimately, the answer will depend on your circumstances, but for most people, SSDI is more beneficial and should be continued until the age of 66, when retirement automatically kicks in.
The first reason SSDI is more beneficial is because if you stick with SSDI benefits at 62, you won’t need to worry about your retirement benefit amount permanently reducing. The reduced benefit amount will depend on how many months you have until full retirement. At our firm, we can help you understand this and detail what it means to stay on SSDI or switch to retirement benefits.
The second reason SSDI is more beneficial is that applicants will receive a perk known as the ‘disability freeze.’ This perk allows applicants to disregard any low-earning or no-earning years that an individual’s disability prevented them from working when calculating monthly benefits.
SSDI reviews can be hard to understand, and going about it wrong could cause you more harm than good. That’s why it’s an excellent idea to consider speaking with an Ohio SSDI attorney at Dyer, Garofalo, Mann & Schultz.
Our attorneys know how to navigate SSDI and Social Security retirement benefits and can ensure you receive the appropriate payments. You can contact us here or give us a call at 1.937.222.2222, and we’ll arrange an obligation-free consultation.
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