I can't tell you how many people I talked to at SSA after my hubby died. He had just been collecting SS for 6 months when he was diagnosed with terminal caner..we were advised to go to SS and sign up for Disability for him. He received it with the next check and got a retro check for 3 months. They said that was as far as they could backdate the cancer.
BUT..after he passed away I talked to several of the people at SS. I was told how much I would get if I started collecting when I turned 62. I could collect mine or his (would be more).
It was only one person (out of many) that told me that if I wait I could collect my hubby's FULL disability at 65. I was told I could collect on mine from 62 till I was 65 and then switch to his full pay.
If I hadn't talked to that one person I would have taken the SS right away and lost out on over $800. a month extra..
I was able to do it as I was able to collect his retirement for 3 more years..
I would recommend talking to several people there before making a decision.
Thank you for posting this as many should be encouraged to at least ask (and keep asking)..many really don't know what is available to them.
Snoozy