Do you have short term disability at work? It took me 4 months to get SSDI, which is what you would get. SSI is for people who haven't worked in about 6 years and it is about 600-700 a month. If you retire would the Social Security be enough to live on? SSDI is less than your retirement SS. If you could live off SS retirement, there are a lot of helpful things for seniors and disabled people like food stamps and section 8. Honestly, you really sound too sick to work and you could retire now. Would it be that much more money to retire at full retirement age? I hope I don't sound like an ass, I have lots of back issues too and I just can't work because of my PTSD and physical problems.