Baby boomers (like me) aren’t just getting old. Some of us are also getting frail. I’m probably a pretty good example. After a lifetime of essentially good health, I’ve recently had to deal with issues as severe as blood clots and as minor as a bum knee and arthritis. And judging from my emails, I’m not alone. Many older folks are asking me about getting disability benefits from Social Security. I’ll offer some tips on how to go about doing that in a minute. But first, here are some ground rules. If you are over your full retirement age, forget about it. Once you reach that age, disability benefits are no longer payable. Or to put that another way, the retirement benefit you are getting pays the same rate as any disability benefits you might be due. If you are under age 62 and disabled, then you should definitely file …
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