Q: Is it required for an individual to work the full five years just prior to retirement?
My mom, who lives in Oklahoma, is turning 62 this year and would like to retire a little while after her birthday. However, she is concerned because she heard somewhere that a person is required to have been employed for the entire five years immediately preceding their desired retirement date. Is there any truth to this?
A: That is not true. What might be confusing her is the general rule that an individual seeking Social Security Disability benefits needs to have worked 5 of the 10 years before their disability onset date. There is no such rule for SS Retirement benefits. You just have to have worked the equivalent of 10 years over the course of your lifetime.
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