At What Age Can You Get Disability Benefits in NJ?

If a recent diagnosis prevents you from working, you may be eligible for disability benefits in New Jersey. That said, generally only those of a certain age can qualify for disability benefits.

The age at which each person can get disability benefits through their own earning record in New Jersey depends on how long they’ve been working. Suppose you wish to get Social Security Disability Insurance (SSDI) benefits through a parent’s earning record. In that case, you must be above 18 and have been diagnosed with a qualifying condition before turning 22. Age also plays a part in determining your benefit amount. Essentially, those who have worked longer and are older may get a larger monthly disability payment. When you reach retirement age, your monthly SSDI benefit will change and become a monthly retirement benefit.

Our attorneys are here to help New Jersey residents better understand the disability benefits available to them. For a free case evaluation with the New Jersey disability lawyers at Young, Marr, Mallis & Associates, call today at (609) 557-3081.

At What Age Can I Get Disability Benefits in NJ?

In New Jersey, part of the equation for determining eligibility for disability benefits is one’s earning record. Because of this, age and how many years you’ve worked can play a part in whether or not you can receive Social Security Disability Insurance benefits. Age may matter, whether you get disability benefits through or a parent’s earning record or your own.

Through Your Own Earning Record

Generally speaking, people qualify for disability benefits through their own earning record when they’ve earned about 40 work credits, or worked for about a decade. So, say you began working when you were 18. In that case, you may qualify for disability benefits through your earning record by the time you turn 30.

Of course, this differs for everyone, depending on when they began working a job that removed Social Security taxes from their paychecks. Lapses in work experience might delay when you become eligible for SSDI benefits in New Jersey. If you’re unsure whether or not you qualify for SSDI benefits through your own earning record based on your age, ask our Mt. Holly, NJ disability lawyers for clarification.

Through a Parent’s Earning Record

Some people may qualify for SSDI benefits through a parent’s earning record. In this circumstance, the age you were when you were diagnosed with a qualifying disability, injury, or illness matters. To get disability benefits through a parent’s earning record, you must have been diagnosed with a qualifying condition before you turned 22. Adult disabled children must also be over the age of 18 to get disability benefits through a parent’s earning record.

In addition to these age requirements, those diagnosed with a qualifying condition before age 22 must have a parent that would otherwise qualify for disability benefits. Call our attorneys if you were recently diagnosed with a condition that prevents you from working and are older than 22, but do not have an earning record that qualifies you for SSDI benefits. You may be eligible for other Social Security benefits in New Jersey.

Will My Age Determine My Monthly Disability Benefit in NJ?

In addition to helping determine eligibility for disability benefits in New Jersey, age can also influence the amount of your monthly SSDI benefit. More senior individuals who have worked longer may qualify for a higher monthly payment in New Jersey.

In part, eligibility for disability benefits in New Jersey is based on one’s earning record. Each time you receive a paycheck from an employer, your employer is tasked with removing taxes for Social Security. This enables you to pay into the system, so to speak. The more paychecks you receive over the years, the more taxes are taken out, qualifying you for a greater benefit.

Because of this, those who have worked decades and are near retirement age may receive a larger monthly Social Security Disability Insurance payment. Our Mount Laurel disability lawyers can help estimate your monthly SSDI benefit based on your age and the number of years you have worked.

If you get disability payments through a parent’s earning record, your monthly benefit amount will be based on the years they’ve worked. So, the older your parent is, the bigger your monthly payment may be.

At What Age Will I Stop Getting Disability Benefits in NJ?

After recipients reach a certain age, SSDI benefits change. Your monthly payments won’t disappear altogether but will adopt a different title. Understanding this process is important so that you can continue getting Social Security benefits as you age in New Jersey.

Social Security Disability Insurance benefits are designed to replace income for people in New Jersey who can no longer earn a sufficient income because of a qualifying disability, injury, or illness. But what happens when you are no longer of working age? When disability recipients reach what would be retirement age, their monthly payments won’t stop but will instead go by a different name.

Your retirement age, or when your SSDI benefits will become retirement benefits, is based on the year you were born. Currently, the earliest a person can receive retirement benefits in New Jersey is 62. Our lawyers can help you determine what retirement age is for you and help you prepare for the changing of your benefits.

Generally, recipients’ monthly benefit amounts remain the same once they change from SSDI benefits to retirement benefits in New Jersey. If your benefit reduces during this period, call our East Brunswick disability lawyers immediately. Although SSDI benefits should automatically convert to retirement benefits when you reach a certain age, our attorneys can help if you run into any issues.

Call Our New Jersey Lawyers About Disability Benefits Today

If you need help applying for disability benefits in New Jersey, reach out to our attorneys. For a free case evaluation with the Piscataway, NJ disability lawyers at Young, Marr, Mallis & Associates, call today at (609) 557-3081.