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Old 03-13-2017, 05:19 AM
 
4,432 posts, read 2,611,082 times
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Quote:
Originally Posted by otterhere View Post
A friend was telling me she found a way to start drawing "against" her social security early and thus retire early. She's only 53. (!) Anyone have any idea what she's talking about? She couldn't explain it so that I understood it. It's not an option I need -- or would take -- but am curious now.
Otterhere:

I have read the whole thread.

DO go and find out how, BUT:

She is collecting SSDI, end of story. It's the only way she can get ANY type of SS early, listing the stats you did.

Either she is SCAMMING the system, claiming a disability, or has hidden something serious from you for years that makes here really ligitimately disabled. Not only that, the adviser is probably a sheister himself, if he suggested it.

For edification purposes: There ARE sheister Doctors and lawyers who will descend on a out of the way town with no jobs when a factory of some sort that provided 90% of the jobs closed down, and take "patients" who claim everything from a headache to an ingrown toenail and "create" the docs for SSDI applications, and the judge passes them. it DOES happen, which is sad for those who DO really need it.

Here is how it is supposed to work, the ACTUAL way it works::
If you have ever read any of my other posts, you may know I had to use up all my retirement for medical reasons, was once homeless when no family would help me. Here's the "rest of the story":

I am also on SSDI. It took 5 years and three times applying. The first time basically EVERYONE gets turned down by SS. If it was EASY, everyone would do it. I was denied. I let it go.
I had had to resort from homelessness to welfare and was encouraged to try applying again. I was again turned down, but Appealed. The appeal was denied. But, I learned something. If you appeal the appeal, you get to see an Administrative Law Judge, who will court-order subpaena ALL your health records. This may include records ALL massed TOGETHER, some of which certain SSDI determinants MAY NOT SEE ALL TOGETHER At ONCE.

I applied again, denied, appealed, and appealed the appeal, and enlisted the help of a legal representative, free to low income people.

Here's what you have to do to amass your records: list all health care facilities who cared for you-even for a headache- over the years you are claiming you became disabled, WITH the dates {approximate if you don't know exactly} you were treated and/or inpatient. I did, in many cases having the paperwork from admissions and discharge on hand as I kept everything {sometimes I keep too much stuff, lol}. Once a Judge demands your health records, the hospital/organizations ARE REQUIRED to provide ALL records pertaining to you.

The day before I was to appear, my legal aid society representative called me saying she didn't want to attend, she looked at my file, and said" I don't see how we can possibly win this". I said "'then you are missing a LOT'". SHe finally agreed to represent me.

THe day of, she met outside chambers with me and MH. SHe was STILL concerned and showed me her file. It was 1/2 inch thick if that. I said "'Oh, no, you don't have the file'". SHe then went in for "pre-trial" conference with the judge, if you will. SHe came out laughing. I though "'OH NO!". SHe sat down and said "the judge has a file 8 inches think on you and says he has no problem with your case, he will approve it,but he has to legally ask you some questions".

in the courtroom, the judge asked me several questions, the last one being "why are you working now then?" {I was living with my now OH free, and working for a friend about 5 or 8 hours a week, I had also, because of Clinton, lost my welfare, reaching my maximum benefit time limit, so unless I was homeless and starved, I HAD to function at SOMEthing. My friend knew my condition and is also an attorney and allowed me to work only when I felt up to it.}. I said "because I gotta eat, don't I?". He said "that is the BEST answer to that question I have ever heard!". HE told me I would get his positive decision in about a month, would get the "back pay" I should have gotten {only to the last time I applied or else it would have been 5 years worth- now they have a limit on "back pay" length of time.} I was APPROVED finally in 2003.

But, I had medicaid, and had to PROVE I spent all the back pay within one year , or pay them back for "services previously rendered". SO I bought a 3 year old vehicle, a computer, things like that to spend it in the year I had to spend it.

Now, you may be wondering WHY I am telling you this and being Off topic? Because I want the misconceptions to be dispelled. ANd WHY did I get it? for mental AND physical disabilities. I am Bipolar, anxiety disorder, OCD. I WAS erroniously treated for years as Major CLinical Depresion, institutionalzed multiples of multiple times, until finally a psychiatrist I had never seen spent 4.5 hours with me in the hospital, and finally said "you're not derpressed, you're Bipolar!"...But DEPRESSION-CLINICAL depression was the MAJOR symptom I noticed and reported extensively on, not knowing/recognizing about the mania parts...that I felt "good" or "great" during the highs.
ALso I have had 20 major invasive surgeries, six surgical procedures, and am facing another neck surgery this year, and I see the neurosurgeon also again for possibly fusing my spine as we have exhausted all medications, controlled substances, physical therapies, and now, we are looking to start fusing my spine, Hopefully that will give me some relief from the constant pain I live with everyday, so bad I can barely physically walk in the morning when I get up until I get some meds in me, sometimes MOH has bring them to me to start working BEFORE I CAN get out of bed. I have used a cane for 6 years, and have had handicapped license plates for that long, administered by yet another doctor. I have been hospitalized for lenghty stays {over a month} about 50 times. One year I spent a total of 8 months out of twelve hospitalized.
I have: a neurosurgeon, an orthopedic surgeon, a general surgeon, a cardiologist, a urologist, a pulmonologist, a physical therapist, a psychiatrist, a therapist, and endocrinologist and a few other "ists" "ON CALL" and "on speed dial" so to speak! I have for years. I live with pain everyday that would really cripple many people and lay them up permanently, but I struggle just to MOVE every day.

Now, that we know she IS on SSDI, PLEASE DO report back your findings, we'd really like to know. I bet you will prove me right!

Best of luck to you in finding out QUICKLY!
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Old 05-18-2017, 10:39 AM
 
7,801 posts, read 4,387,974 times
Reputation: 11589
UPDATE: Okay; it's called the "Social Security Adjustment Option." Apparently you can draw SS early but then, when you reach normal benefit age (62), the check you receive at that point and throughout the rest of your life will be reduced. I gather this only pays if you're retiring very young and need the money. It wouldn't be worth it to me or to most people. But, sure enough, turns out that it exists and is legit.
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Old 05-18-2017, 11:02 AM
 
Location: VT; previously MD & NJ
2,202 posts, read 1,345,129 times
Reputation: 6336
Quote:
Originally Posted by otterhere View Post
UPDATE: Okay; it's called the "Social Security Adjustment Option." Apparently you can draw SS early but then, when you reach normal benefit age (62), the check you receive at that point and throughout the rest of your life will be reduced. I gather this only pays if you're retiring very young and need the money. It wouldn't be worth it to me or to most people. But, sure enough, turns out that it exists and is legit.
https://www.pensions.org/availablere...ts/pts-640.pdf

I found a fairly clear explanation. The early retirement payments are from the person's pension plan (not from Social Security). When Social Security kicks in at age 62, the pension payment is reduced.
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Old 05-18-2017, 11:04 AM
 
7,801 posts, read 4,387,974 times
Reputation: 11589
It was my understanding that this was strictly SS; not our pension plan. For one thing, the person in question isn't 55 yet, so that description wouldn't apply to her. Guess we're back where we started!
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Old 05-18-2017, 11:08 AM
 
Location: SoCal
13,226 posts, read 6,326,744 times
Reputation: 9839
Somebody lied period.
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Old 05-18-2017, 11:08 AM
 
Location: NC
6,549 posts, read 7,974,458 times
Reputation: 13460
There is no Social Security adjustment option offered by the government. If there was, there would be a lot of people doing it, and the goal of SS is to prevent your starving in your OLD AGE, not whenever you chose to use it. The option is for when you have an old fashion pension and is between you and your employer (who pays it to you).

https://www.allbusiness.com/barrons_...4957074-1.html

Here is one example: Level Income (Social Security) Option | Sheet Metal Workers Local 73 Funds
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Old 05-18-2017, 11:10 AM
 
7,801 posts, read 4,387,974 times
Reputation: 11589
Quote:
Originally Posted by NewbieHere View Post
Somebody lied period.
I got this explanation from our retirement advisors (the SS specialist); I hope HE wasn't lying...
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Old 05-18-2017, 12:30 PM
 
8,845 posts, read 5,129,939 times
Reputation: 10112
Quote:
Originally Posted by otterhere View Post
I got this explanation from our retirement advisors (the SS specialist); I hope HE wasn't lying...
He's not lying, but the money is NOT coming from SS. This is from your link:

Quote:
In this example, the member will receive $1,202.33 from the
Pension Plan each month between ages 55 and 62. Starting at
age 62, the member will receive $1,000 each month from the
Social Security Administration and $202.33 from the Pension Plan.
These two pieces total $1,202.33. So, while the sources change,
the payment amount remains the same before and after age 62.
The early money is from the pension plan.
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Old 05-18-2017, 12:31 PM
 
7,801 posts, read 4,387,974 times
Reputation: 11589
But, again, she isn't 55 yet.
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Old 05-18-2017, 12:39 PM
 
Location: Southern New Hampshire
7,221 posts, read 12,665,713 times
Reputation: 21996
Quote:
Originally Posted by otterhere View Post
But, again, she isn't 55 yet.
Can't you go back and ask that "SS specialist" -- the one you've already talked to? Tell him/her that the link says the person has to be 55, so what's the scoop?

This thread has been page after page after page of speculation. SOMEONE must know what is going on!
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