Can You Get Disability After 65? Exploring Options

Wondering if you can get disability after 65? It’s a question many older adults face as they navigate health challenges later in life. While the rules around disability benefits can be complex, there are options available for seniors who need support.

Disability doesn’t discriminate based on age. Health issues can arise at any stage of life, including after retirement. Let’s look at what disability benefits you may qualify for after age 65 and how to access them.

Can You Get Social Security Disability After 65?

The short answer is no, you can’t get Social Security Disability Insurance (SSDI) after age 65. SSDI benefits are designed for workers who become disabled before reaching full retirement age. Once you hit full retirement age, social security disability benefits automatically convert to retirement benefits.

But that doesn’t mean you’re out of options. There are other disability programs that can help seniors over 65 who are unable to work due to health conditions.

Disability Options for Seniors Over 65

Supplemental Security Income (SSI)

SSI provides monthly payments to adults 65 and older with limited income and resources. You don’t need a work history to qualify. SSI is based on financial need rather than disability status.

To be eligible for SSI, you must:

• Be 65 or older, blind, or disabled
• Have limited income and resources
• Be a U.S. citizen or qualified alien
• Live in the U.S. or Northern Mariana Islands

The Social Security Administration manages SSI. You can apply online, by phone, or at your local Social Security office.

Veterans Disability Compensation

If you’re a veteran, you may qualify for disability benefits through the Department of Veterans Affairs (VA). There’s no age limit for VA disability compensation. You can apply at any time if you have a service-connected disability.

The VA rates disabilities from 0% to 100%. Your rating determines your monthly payment amount. Even if you’re already receiving Social Security retirement benefits, you can still get VA disability compensation.

Long-Term Disability Insurance

Some people have long-term disability insurance through their employer or a private policy. These plans often continue to pay benefits even after you turn 65. Check your policy details to see if you’re covered.

What If You’re Already Receiving SSDI When You Turn 65?

If you’re getting SSDI when you reach full retirement age, your benefits will automatically switch to retirement benefits. The amount usually stays the same. You don’t need to do anything – the change happens automatically.

Can You Work and Receive Disability Benefits After 65?

It depends on the type of benefits you’re receiving. For SSI, you can work and still get benefits, but your income may reduce your payment amount. The VA doesn’t limit how much you can earn while receiving disability compensation.

If you’re on Social Security retirement, you can work and receive full benefits once you reach full retirement age. Before that, there are limits on how much you can earn.

How to Apply for Disability Benefits After 65

The application process varies depending on which benefits you’re seeking. Here’s a general guide:

For SSI:

1. Check if you meet the eligibility requirements
2. Gather necessary documents (ID, income info, medical records)
3. Apply online at the Social Security website or visit your local office
4. Complete an interview with a Social Security representative
5. Wait for a decision (usually takes 3-5 months)

For VA Disability:

1. Collect evidence of your service-connected disability
2. File a claim online through the VA website
3. Attend a C&P exam if requested by the VA
4. Wait for the VA to review your claim and make a decision

Tips for a Successful Disability Application

Applying for disability benefits can be challenging. Here are some tips to improve your chances of approval:

• Gather all relevant medical records
• Be honest and thorough in describing your condition
• Meet all deadlines and respond promptly to requests for information
• Consider getting help from a disability advocate or attorney
• Don’t give up if your initial application is denied – many claims are approved on appeal

Other Resources for Seniors with Disabilities

Beyond federal disability programs, there are other resources that can help seniors with disabilities:

• State disability programs
• Medicare and Medicaid
• Local senior centers and community services
• Non-profit organizations focused on specific disabilities
• Home health care services

These resources can provide additional support, from healthcare to daily living assistance.

Conclusion

While you can’t get Social Security Disability Insurance after 65, there are other options available. SSI, VA benefits, and private insurance can all provide support for seniors with disabilities. Remember, it’s never too late to seek help if you’re struggling with a disability. Don’t hesitate to explore your options and apply for the benefits you deserve.

Navigating disability benefits after 65 can be complex, but you’re not alone. Reach out to the Social Security Administration, VA, or a disability attorney for guidance. With the right support, you can access the resources you need to maintain your quality of life, regardless of age or disability status.

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