Thanks Valerie/Mike, for your patience!
I helped my wife apply for her Social Security shortly before she turned 62 which is when we thought was the earliest available time. Yes, that is typically true.
She was a Registered Nurse working full time until about 13 years ago. OK, she stopped around 50 years old.
At this time she started having a variety of falls and injuries requiring a few surgeries and she never worked again. OK.
In the next few years of Doctors evaluations the Diagnosis of Parkinson's Disease was finally made but by then her legs were contracted and she has not worked in over ten years. So sorry to hear of this.
I worked two jobs, hired people to sit with her while I worked and so on. Then someone asked why we had not applied for Social Security Disability so we did but she did not have enough work time in the previous ten plus years. So she did not qualify. OK, that sounds like you used the "present day", or thereabouts, as you "onset date." As opposed to when she really became unable to work at all.
We did not think about disability until it was too late. I noticed on my recent Social Security information that is mailed to me that I would receive one payment if I applied at 65 years old, if I waited till 67 years old and by chance saw what payment I would receive if I became disabled now. If you take SS at 65, you are causing yourself a reduction in benefit amount. If you wait til full retirement age, you get your "PIA" - primary insurance amount, and if you wait til age 70 to collect, you increase your benefit by 32% beyond what it would be at 67. Delaying can very much help the finances when you most need that higher income, if it is possible.
My questions is: My wife has medical records showing she was disabled at least 8 or 9 years before she applied at age 62. If she was still INSURED at that time and prove the high level of proof needed to establish full disability at that time, she should be able to apply and possibly win. However, they can only pay 12 months of payments before the application date, not all the way back. So if you think you want to possibly do this, file now. Every month she doesn't file, she loses a month of back benefits.
Can she make an application to collect the payments that would have started ten plus years ago No, they won't pay back that far, only up to 12 months prior. But you WOULD assert tht 10 year old date, to be sure is asserting a disability while she was insured for SSD.
had she applied based on being disabled and not waited, as she believed she had to, until age 62 to apply. Yes, that was an unfortunate error.
Thanks Valerie and XXXXX XXXXXley You are both welcome.
I do think if you are considering this, you want to get a filing now. If you would like assistance, feel free to ask, I can do it for you (get you a protective filing date) or walk you through it and you can possibly do it). THen you just need to get sufficient old proofs to prove he alleged date. In the event you want assistance on the protected filing date, let me know - I will ask that an "additional assistance" option be offered you - you can use it or not use it.
Good luck, either way!
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