I have was approved for SSDI Benefits at age 60, however it took them 10 months and I had to return to work to not become homeless. They then denied me because I made to much money. My health is declining with MS, RA and 2 other auto immune conditions. I would like to retire. I am now 61 and struggling on a daily basis. What should I apply for? SSDI again or wait til 62 and early retirement.

Hi,

If you're not working or if you are earning less than $1180 per month, it sounds like you would probably want to re-apply for disability benefits (SSDI). If you qualify, SSDI benefits are paid at your unreduced full retirement age rate. On the other hand if you file for retirement benefits at age 62, your benefit rate will be reduced for age by around 27%. However, you should be aware that there is a 5-month waiting period for SSDI eligibility, so you probably won't be able to draw SSDI benefits for at least 5 months after you stop working at a rate of more than $1180/mo.

You may want to consider using the maximization software available on this website in order to explore your filing options and determine your best strategy.

Best, Jerry