Social Security Retirement Benefits Or Social Security Disability?
Last updated on May 19, 2025
Deciding between Social Security retirement benefits and Social Security Disability can be challenging, especially if you’re facing unexpected health issues. What if you become disabled at age 61 or later? Should you apply for SS retirement benefits or SS Disability? Does it have to be an either-or? This decision can impact your financial future significantly.
I’m Robert D. Paulbeck, an attorney with over 30 years of experience representing clients in Trenton, Woodhaven and across Michigan. I understand the intricacies of Social Security benefits in Michigan. I can help you sort out this crucial decision with honest advice and personalized guidance.
Understanding Your Social Security Benefit Options
If you’re contemplating early retirement due to a medical or psychiatric condition, it might be worth considering applying for Social Security Disability (SSD) benefits. If you qualify, SSD can potentially offer higher benefits than early retirement. It may be wise to apply for both types of benefits simultaneously. As a skilled Social Security lawyer, I can help you do so.
Breaking Down The Details
Retirement age considerations and disability/retirement benefit calculations play a big role in these decisions. Applying for SSD before your full retirement age could result in receiving benefits equal to what you would get at full retirement age. However, if you opt for retirement benefits before reaching full retirement age, you may face early retirement penalties and reduced benefits. For instance, one of my clients received $600 more per month by applying for SSD benefits instead of early retirement, securing higher monthly payment amounts for life. Medicare eligibility is another factor in these decisions.
Start Moving Forward In The Right Direction
Deciding between Social Security retirement and disability benefits requires careful consideration of your health and financial situation. My goal is to help you receive the maximum benefits you deserve. I can evaluate your situation, advise you on the strongest course of action, and help you through the benefits application process. I can also help you overcome any challenges that arise along the way, such as appealing claims denials. With me by your side, you can rest assured that you have a strong and effective advocate.
Learn more about early retirement vs. disability benefits by contacting my firm – Robert D. Paulbeck, Attorney at Law – at 734-800-2699. I look forward to hearing from you.