if a person retired at 63 would he get more money or benefits if he has become disabled?

Yes. Retirement benefits before age 66 are reduced; disability benefits are not reduced. Anyone receiving a disability benefit when they become age 66 will be switched over to retirement benefits without a change in monthly benefit amount since there is no such thing as a disability benefit once someone reaches full retirement age.

However, if someone has been receiving a retirement benefit and they later become disabled the disability benefit will be reduced by the number of months the person received the retirement benefit. For example, let's say that you began receiving retirement benefits at age 62 which would be a 47 month reduction in benefits but you later became disabled and your month of entitlement to disability benefits was age 63. Your disability benefit would be permanently reduced by 12 months (or however many months it was you received the retirement benefit before your month of entitlement to disability).

You might as well file if you haven't already but don't count on being approved; call 1-800-772-1213 and make an appointment to file either over the phone or in the office. You must be severely disabled. Many people live with prostate cancer and don't die from it in which case it isn't disabling and COPD isn't always so severe as to prevent someone from working either.

I was a SS claims rep for 32 yrs.

well you can if you actually paid tax to the government that's why there's life insurance get a monthly check by 1000