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Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was 65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount. Currently, the full benefit age is 66 for people born in 1943-1954, and it will gradually rise to 67 for those born in 1960 or later.
According to the Social Security Administration (SSA), you can qualify for Social Security Disability Insurance (SSDI) if you have a physical or mental condition that keeps you from engaging in any âsubstantial gainful workâ. It must last at least 12 months or be expected to result in death. You also must be under the age of 65 and have worked 5 out of the last 10 years. Your disabilities need to be proven by medical evidence.