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Tips When Applying for Social Security Disability Benefits

There are two types of disability programs run by the Social Security Administration :

Of the two programs, SSDI is the more flexible in that you can receive benefits regardless of your income and assets. SSI payments are limited based on your income and assets. Also, under SSI, you must report changes in your living arrangements and income.

However, to qualify for SSDI, you must have a sufficient work history. For example, someone age 50 must have worked at least seven years, with five years of recent work. For someone age 27, you would need three years of work out of the past six years.

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Seven Social Security Myths

1. Social Security will cover my income needs

2. It's better to take Social Security benefits early

3. I'll receive full benefits at 65

4. Once I start benefits, I can’t work anymore

5. I won't pay taxes on Social Security

6. Once I start Social Security, I have to continue receiving it

7. My divorce will reduce my benefits

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Not affiliated with the US Social Security Administration