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Question

I started getting Social Security at age 62 but continued working out of necessity. I'm now 73 and have COPD and am getting close to not being able to work anymore because of my breathing. If I am forced to stop working am I allowed to change Social Security payments to disability payments?

Answer

No, you will not be allowed to switch your payments to Social Security Disability Insurance (SSDI), says Adam Beaty, CFP®, EA, RICP, Bullogic Wealth

According to Kurt Czarnowski, a principal with Czarnowski Consulting, SSDI benefits automatically convert to retirement benefits at full retirement age (FRA). The reader isn't eligible for SSDI benefits because he is now over his FRA.

Editor's note: This answer corrects a misstatement made in the originally published article. Read What You Need to Know When You Get Social Security Disability Benefits.

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Question

I started getting Social Security at age 62 but continued working out of necessity. I'm now 73 and have COPD and am getting close to not being able to work anymore because of my breathing. If I am forced to stop working am I allowed to change Social Security payments to disability payments?

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