The $250.00-$300.00 labor rate is exhorbitant!!! In Southern California the labor rates normally average $120.00 per hour. In my area it averages $90.00. That rate applies to any portion of an hour. If you hire an Air Conditioning Repair service contractor under a flat rate charge, ask for an up front complete parts.
The below is an explanation of when collecting retirement benefits prevents you from collecting disability benefits as well. Social Security Disability Insurance (SSDI) is one of two programs under which you can apply for disability benefits. The other program is Supplemental Security Income (SSI).
However, collecting Social Security retirement early rather than applying for disability has drawbacks that should be considered before making this decision. If you take early retirement once you reach the age of 62, your retirement benefit amount will be permanently reduced.