Unlocking Social Security Benefits Before Reaching Retirement Age

Introduction:

If you qualify for Social Security benefits, there are unique circumstances that can enable you to start claiming much before the age of 62.

1. Disability benefits

• Special Qualifications: To qualify, you must meet strict SSDI criteria, including work credits and specific disability definitions by the Social Security Administration.
• Waiting Period: A five-month waiting period is enforced before the benefits start.
• Additional Benefits: Spouses, ex-spouses, and children of disabled workers may also be eligible.

2. Survivors benefits

• Eligibility: Family members of deceased workers, like spouses, ex-spouses, children, and dependent parents, may qualify for these benefits.
• Qualification Requirements: Various criteria need to be met depending on the relationship to the deceased worker.
• Benefit Value: The amount received is based on the relationship with the worker.

3. Children's benefits

• Eligibility: Children of retired workers can qualify, provided the parent has applied for their own benefit.
• Benefit Claiming: Children under specific age ranges can claim additional benefits before turning 18 or finishing secondary school.
• Application Process: Contact the Social Security Administration for more information and ensure timely application if you think you qualify.