a younger woman and older woman smiling and talking in front of a laptop age restrictions ssdi
By Michelle Shvarts
Principal Attorney

Navigating the intricacies of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) can be complex, especially when considering the age requirements for eligibility. Understanding the age criteria for these vital assistance programs is crucial if you or a loved one is seeking financial support due to a disability. In this article, Disability Advocates Group aims to provide comprehensive insights into the age requirements for SSDI and SSI benefits in Florida.

Age Requirements for SSDI Benefits in Florida

  1. Eligibility Criteria

SSDI benefits are designed to provide financial assistance to individuals who are no longer able to work due to a severe disability. The age requirements for SSDI eligibility in Florida are as follows:

  • You must be between the ages of 18 and full retirement age (which varies depending on your birth year).
  • You must have worked and paid Social Security taxes for a specific duration to earn sufficient work credits.
  1. Full Retirement Age (FRA)

Full retirement age, often referred to as FRA, is the age at which you become eligible to receive full Social Security retirement benefits. The FRA varies based on your birth year. For example, if you were born in 1950 or later, your FRA is 67. If your disability arises before your FRA, you are eligible for SSDI benefits provided you meet the other eligibility criteria.

  1. Age Consideration in SSDI Calculation

It’s important to note that your age plays a role in the calculation of your SSDI benefits. The formula used by the Social Security Administration (SSA) takes into account your average lifetime earnings and adjusts the benefit amount based on the age at which you start receiving benefits. Starting benefits earlier than your FRA will result in a reduced benefit amount.

Age Requirements for SSI Benefits in Florida

  1. SSI Eligibility Criteria

Supplemental Security Income (SSI) benefits provide financial assistance to individuals with limited income and resources who are disabled, blind, or elderly. The age requirements for SSI eligibility in Florida are as follows:

  • You must be age 65 or older to be considered elderly.
  • For individuals under age 65, you must meet the medical criteria for disability.
  1. Income and Resource Limits

SSI benefits are also subject to strict income and resource limits. These limits vary based on your living arrangements, but in general, you must have very limited income and few countable resources to qualify for SSI benefits.

  1. Age-Related Medical Conditions

While age itself does not automatically qualify you for SSI benefits, the SSA takes into consideration age to determine whether you are disabled. 

Applying for SSDI or SSI Benefits in Florida

  1. The Application Process

The process of applying for SSDI or SSI benefits in Florida involves several steps:

  • Gather all necessary documentation, including medical records, work history, and financial information.
  • Complete the appropriate application forms, either online or in person at a Social Security office.
  • Submit your application along with the required documents.
  1. Seek Legal Assistance

Navigating the SSDI and SSI application process can be overwhelming, especially when dealing with medical conditions that affect your daily life. Seeking legal representation from Disability Advocates Group can provide you with expert guidance, ensuring your application is complete, accurate, and has the best chance of success.

Understanding the age requirements for SSDI and SSI benefits in Florida is essential when seeking financial support due to a disability, blindness, or limited income. Disability Advocates Group is here to help you navigate the intricacies of the application process, ensuring that you present a strong case to secure the benefits you rightfully deserve. Whether you’re considering applying for SSDI or SSI benefits, our experienced attorneys are ready to guide you every step of the way. If you or a loved one needs assistance with an SSDI or SSI claim in Florida, don’t hesitate to contact Disability Advocates Group for personalized and expert support.

About the Author
Ms. Shvarts and the rest of the team at Disability Advocates Group are dedicated to assisting individuals in Florida obtain Social Security Disability Benefits (SSDI) and Supplemental Security Income (SSI) benefits.