Dear Rusty: My husband turns 65 later this month. He has started having health issues – so much so that we are thinking about talking to his doctor about Social Security Disability. How would this affect him in applying for his Social Security benefits? Should we exhaust disability efforts before applying for his retirement benefits? Signed: Concerned Wife

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.