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Social Security is more than just a retirement benefit.
When you pay into Social Security you are not just paying into a retirement account. It also works as insurance for yourself, and your family, should you become disabled or pass away. There are benefits you can become eligible for before the age of 62, disability and survivor benefits. To qualify for disability benefits your condition, mental or physical, must be expected to last at least 12 months, or result in death. To qualify for survivor benefits, you must be at least 60 or 50 if you are disabled. Ex-spouses are also eligible for survivor benefits, as long as they were married for at least 10 years. Survivor benefits are like any other benefit when you take it early. Not only will it be reduced from taking it early, but you will also be subject to an earnings limit until you reach your full retirement age (FRA). However, the earnings limit for disability is different than for other benefits. To read the article by Diego Perez Morales click here…
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