Don't wait too long to file for disability. Economic and physical situations change often, and you could end up not being able to help yourlself.A recent conversation with a middle-aged gentleman brought a dangerous situation to light. Apparently, he took an early retirement at age 50 from his former employer, and with his small retirement pension and his 401K accounts he was able to sustain a modest, comfortable standard of living. Unfortunately, falling stock values have cut his 401K and IRA funds down to about half of what they once were and his income has now fallen well below what he needs to stay afloat.
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