Why might a disability “freeze” be important?

Your disability eligibility and even your ultimate retirement benefit are calculated based on your past wage earning record.  If you experience a period of disability, Social Security puts in place a “freeze” that will prevent those years of low (or no) earnings due to disability from negatively impacting your amount of disability or retirement benefits.

If you have questions about a disability freeze, discuss these with your attorney or your local Social Security office. This is a rule that is actually to the worker’s benefit, and you will want to be sure it has been applied correctly.