When you apply for disability after age 60 but before full retirement age, if you don't meet the requirements of a medical listing, Social Security applies special age-specific rules when it evaluates your disability. (And remember, if you are older than 62, you have the option of collecting your Social Security retirement benefits early or applying for disability benefits, assuming you have an impairment that keeps you from working).
Here is when your age matters. If the Social Security Administration (SSA) decides your condition doesn't meet a disability listing and you can't do your past job, the SSA will refer to the "grid rules" to decide if you are disabled. The grids are a series of tables that take into account several factors before pointing to a finding of "disabled" or "not disabled."
The grid is divided into tables based on exertional levels; that is, what level of work an applicant's RFC (residual functional capacity) assessment states that an applicant can do. The different RFC levels are for work at the following levels:
(For more information on how the SSA determines your RFC, see our article on RFCs.)
The grids are especially helpful for people aged 60-65 in winning their claim, because Social Security realizes that people over 60 may have difficulty in transferring to new types of workplaces and learning new skills. But if the grids direct a finding of "not disabled" in your case, you can still be approved. Below we'll discuss how you can win your claim even if the grids say you're not disabled.
The SSA categorizes people who are 60-65 as "closely approaching retirement age." The SSA has specific rules grid rules for applicants in this age group. Before reading the next section on using the grids for age 60-65, please read our overview article on using the grids to learn what, besides age and RFC, the grids take into account (such as education and skill set) to make a determination in your case.
Below are the grid rules for people aged 60 and over. To see how the SSA would decide your case based on the grids, first find the table that discusses your RFC level. Next, find the row that describes your education level and previous work experience. The third column shows the decision the SSA will make based on those two factors.
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RFC for SEDENTARY WORK
Education |
Previous Work Experience |
Decision |
11th grade or less |
Unskilled work or no past relevant work |
Disabled |
11th grade or less |
Skilled or semiskilled work without transferable skills |
Disabled |
11th grade or less |
Skilled or semiskilled work with transferable skills |
Not disabled |
High school graduate (or GED) or higher |
Unskilled work or no past relevant work |
Disabled |
High school graduate (or GED) or higher |
Skilled or semiskilled work without transferable skills |
Disabled |
High school graduate (or GED) or higher |
Skilled or semiskilled work with transferable skills |
Not disabled |
Recent education that provides for direct entry into skilled work (high school graduate or more) |
Unskilled work or no past relevant work |
Not disabled |
Recent education that provides for direct entry into skilled work (high school graduate or more) |
Skilled or semiskilled work with or without transferable skills |
Not disabled |
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RFC for LIGHT WORK
Education |
Previous Work Experience |
Decision |
11th grade education or lower |
Unskilled work or no past relevant work |
Disabled |
11th grade education or lower |
Skilled or semiskilled work without transferable skills |
Disabled |
11th grade education or lower |
Skilled or semiskilled work with transferable skills |
Not disabled |
High school graduate or higher |
Unskilled work or no past relevant work |
Disabled |
High school graduate or higher |
Skilled or semiskilled work without transferable skills |
Disabled |
High school graduate or higher |
Skilled or semiskilled work with transferable skills |
Not disabled |
Recent education or training for skilled work |
Unskilled work or no past relevant work |
Not disabled |
Recent education or training for skilled work |
Skilled or semiskilled work with or without transferable skills |
Not disabled |
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RFC for MEDIUM WORK
Education |
Previous Work Experience |
Decision |
6th grade education or less |
Unskilled work or no past relevant work |
Disabled |
7th through 11th grade education |
No past relevant work |
Disabled |
7th through 11th grade education |
Unskilled work |
Not disabled |
7th through 11th grade education |
Skilled or semiskilled work without transferable skills |
Not disabled |
7th through 11th grade education |
Skilled or semiskilled work with transferable skills |
Not disabled |
High school graduate or higher |
Unskilled work or no past relevant work |
Not disabled |
High school graduate or higher |
Skilled or semiskilled work without transferable skills |
Not disabled |
High school graduate or higher |
Skilled or semiskilled work with transferable skills |
Not disabled |
Recent education or training for skilled work |
Skilled or semiskilled work with or without transferable skills |
Not disabled |
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Here are examples of where a person aged 60-65 will be approved based on the grids.
Here are some examples of where a person aged 60-65 would be found not disabled by the grids.
Even if your claim is denied under the grids, you can still win your claim by showing the grid rule shouldn't apply in your case. For example, you can win your claim if you can show that you have a combination of exertional (strength-related) and non-exertional limitations that prevent you from working. For instance, if you were given a light RFC and the SSA denied you benefits because you have transferable skills, you could show that your non-exertional limitations prevent you from using those skills (in which case they can't be considered transferable). Examples of non-exertional limitations include tremors that prevent fine manipulations, postural problems like the inability to bend or reach overhead) or difficulty with memory and cognitive problems. For more information on how to win a claim using this strategy, see our articles on using non-exertional limitations and proving you don't have transferable skills.
Or, if you can prove that you are unable to do even a desk job because of your functional limitations, you will be approved for benefits. There are certain limitations that may make you eligible for a "less than sedentary RFC." For more information, see our article on how to win your claim based on a less than sedentary RFC.
Another way you may be able to win your claim is under the "worn-out worker" rule. To win your claim on the basis of this rule, you must have only a marginal education (6th grade or less) and have worked at least 35 years in arduous (extremely physical), unskilled labor, and your disability must prevent you from doing this kind of job anymore. For more information, see our article on Social Security's "worn-out worker" rule.
If you are older than 64 or about to turn 65, read our article on the special considerations Social Security gives to those 65 and older.
If you are 60 years or older, you may be able to get disability benefits after your initial application. Reviewing the disability listings for your medical condition and the grid rules above may give you an idea of whether you'll be approved the first time around. If that's the case, there's no need to share a portion of your back payments, because the grids can be an extremely helpful way to win your claim.
But if Social Security denies your benefits and you have to appeal, you should consider hiring a lawyer. On appeal. an experienced disability lawyer can help ensure that Social Security will find you disabled under the grids—depending on your education and skill set—or outside of the grids.
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