I am disabled and I am now 61. I must now file for retirement, I do have just 40 credits. I now make $794. MONTH WHAT WILL. I make now. Possibly?

Hi. The amount of your Social Security retirement benefit would be calculated based on an average of your 35 highest years of Social Security covered wage indexed earnings. Without knowing that amount, I can't give you an estimate of your benefit rate.

I can tell you that if the $794 that you're currently receiving is Supplemental Security Income (SSI), your SSI payments will be offset dollar for dollar by all but at least the first $20 of your Social Security retirement benefit amount. So, if your Social Security retirement benefit rate is lower than your SSI rate, your total payment will either stay the same or increase by $20.

Best, Jerry