Can a 61-Year-Old with Health Issues Apply for Social Security Disability?

I have client that is asking questions about her 61-year-old father.  Apparently he had an emergency quadruple bypass back in May. She wants to know if he’s able to claim social security disability or will he have to wait once he turns 62 in December? Also, what happens if he goes back to work?

Your client’s father can absolutely file for Social Security Disability Insurance (SSDI) now, following his emergency quadruple bypass. He does not need to wait until he turns 62 in December to apply for benefits. Here’s what he needs to know:

1. Applying for Disability Now:

   • No Need to Wait: There’s no requirement for him to wait until age 62 to apply for SSDI. He can file for disability benefits right away, based on his current health condition. If approved, his disability benefits would start, and they would not be reduced for age as retirement benefits would be if he filed early.

2. Returning to Work:

   • Trial Work Period: If he is approved for SSDI and then returns to work, he would be eligible for a 12-month trial work period. During this time, he can work and still receive his full disability benefits, regardless of how much he earns.
   • Extended Period of Eligibility: After the trial work period, if he continues working, he would enter an extended period of eligibility. During this time, any month he earns $1,470 or more, he would not be due a disability payment. Conversely, in any month he earns less than $1,470, he would still be eligible for a payment.

In summary, your client’s father can apply for SSDI now, without waiting until he turns 62. If he returns to work after being approved, he will have a trial work period followed by an extended period of eligibility, allowing him to earn income while still receiving benefits under certain conditions. If you need further assistance or have more questions, feel free to reach out!

The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®). Social Security Professionals, LLC, and NSSA® are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, and NSSA® harmless from any claims or liabilities arising from its content. For personalized guidance, contact an NSSA® professional.