Ask Terry Questions Social Security and disability

Social Security and disability

By Terry Savage on June 22, 2026 | Social Security

Social security forced me to take my security at 62 while taking 3/4 of my disability check! This doesn’t help me financially at all because the total of the two still equals to almost the entire disability I was getting. I didn’t want to take social security until 67 but was told because I’m getting disability, I have to take the lower social security payment. I’m still in poverty and can’t even afford to buy life insurance.

Terry Says

That doesn’t sound right to me. Your SSDI is supposed to automatically convert to full earned SS benefits at your full retirement age — around 67. Read this article from AARP:
https://www.aarp.org/social-security/faq/disability-benefits-benefits-retirement-age/

I think you’re going to need an attorney who specializes in SS Disability to help you get this fixed. I might have missed something in the details you gave, because again this is not how the process is supposed to work! You can google “attorneys who specialize in Social Security disability” near you. There are a lot of them!

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