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Then she can choose to leave her own Social Security alone, allowing it to grow in value until her full retirement age — or even age 70. When you apply for disability insurance, Social Security doesn’t tell you that your first step ought to be to hire a lawyer or other expert adviser.

Allsup, a private firm that advises people about how to get SSDI, says Social Security doesn’t even make it clear that an applicant can have representation from the very beginning of the application process.

But there’s a possibility of losing the bet and getting nothing.

Retired law professor and Social Security expert Merton Bernstein says the longevity bet odds are bad, so claim early. I subscribe to the Woody Allen principal: ‘Take the money and run.'” Boost your retirement income with a certificate of deposit. If you’re not happy in your marriage after 9 1/2 years, hold off before hiring a divorce attorney.

Nearly 7 out of 10 applicants have their initial disability applications denied, which can dramatically slow down this already complicated process, according to Allsup.