From Disability to Retirement

If an individual is approved for social security disability benefits, his or her social security retirement benefits are protected by the earnings freeze, technically known as the “period of disability.” What this means is that an individual can receive full social security disability benefits up to his/her normal retirement age at which point they automatically transition to full retirement benefits. This avoids the necessity of filing for early retirement benefits and the resulting reduction in the amount received per month. It’s important to discuss all of the implications of these types of decisions with a competent attorney.