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Under such a policy, individuals who would have become eligible for DI benefits at age 62 or later under current law would instead have to claim retirement benefits if they wanted to receive any Social Security benefits.
When to Apply. Social Security Retirement - You may apply 3 months before you turn age 62 or 4 months before you want your benefits to start. Social Security Disability â You should apply as soon as possible after the onset of your disability.