This Is The Earliest Age That You Can Start Collecting Social Security


Most Americans believe that the earliest age you can start collecting social security is 62. We’re here to tell you that is not the case! There are certain circumstances where people of younger ages can benefit from collecting social security early on, even children. As you may know, you can collect at 62, but waiting until you are 66 will allow you to have greater benefits. The 62 and 66 age markers are for those born after 1942.

While this might be surprising to some, it’s important to remember the true reason for the program: providing support to Americans considered “vulnerable” like the elderly, the disabled, and widows and widowers. The timing of claiming Social Security is extremely crucial, which is why if you do so before the age of 62, you’ll have to make sure you’re properly qualified to get the most of your benefits.

Lansdowne Wealth Management

So, let’s break it down. Who is eligible to receive Social Security before the age of 62?

  • People who are unable to work due to qualifying disabilities.
  • Qualifying children whose parents are receiving benefits.
  • Younger spouses who are taking care of said children.
  • Surviving spouses whose partners have passed away.

We’re going to cover all of the bullet points previously mentioned to ensure you get a good idea if you qualify or not. We’re going to start off with disability benefits. It’s important to remember that not all Americans will qualify for Social Security Disability Insurance (SSDI). However, this is determined by two different ways; a “recent work” test and a “duration of work” test.

The SSA will be taking a deep look into how long you were recently working before you became disabled. The outcome is greatly dependent on age.

The Recent Work Test:

The Motley Fool via SSA

If you pass the “recent work” test, you’ll move on to the “duration of work” test. The SSA does state that these aren’t necessarily requirements in all cases, but can be used as a guideline for preparing.

The Duration of Work Test:

The Motley Fool via SSA

However, you’re not out of the woods just yet if you successfully pass these tests. You’ll also need documentation about your disability and your family’s income. Additionally, your disability will need to be qualified as ‘severe’, meaning being unable to work for at least a year or the disability eventually resulting in death.

The average payout for disability benefits in July 2018 was $1,200, which annually equates to $14,400.

Read more about claiming Social Security benefits early on the NEXT page…

1 of 3 Next

Show comments
Published by

Recent Posts

Burt Ward Reminisces On The Death Of ‘Batman’ Co-Star, Adam West

Recently, Burt Ward, who is popular for his portrayal of Robin, the Boy Wonder in…

7 hours ago

A Dangerous Encounter Drove Susan Olsen To Quit Acting After ‘The Brady Bunch’

This is the story of a lovely lady's youngest little girl. For the full run…

9 hours ago

Bruce Willis’ Wife On Most ‘Thoughtful Thing’ Their Daughter Has Done For Him Amid Dementia Battle

Bruce Willis has been surrounded by love and support since he was diagnosed with frontotemporal…

14 hours ago

Harrison Ford Jokes About His Wife’s Reaction To Curse Word-Filled Interview

Harrison Ford had an interview with The Hollywood Reporter in February 2023 to promote his…

16 hours ago

Martha Stewart Claims Swimwear Photos Have Not Been Retouched

Martha Stewart holds the record for Sports Illustrated's oldest swimwear model since the cover shoot…

16 hours ago

‘The Nanny’ Cast Then And Now 2023

UPDATED 6/1/2023 She had style, she had flair, and she was there — that's how…

17 hours ago