I decided to finally file for SSD and did so online. I then called the local office to make sure they received it which they had. The lady I spoke to there said since I can get my regular social security this coming January that I "might" get approval since they don't like to have to pay you a bunch of backpay later when you are going to soon be drawing retirement anyway. Has anyone has any experience with this and gotten approved right off since you are about to be retirement age anyway. If you file and get retirement SS and then your disability is approved 2-4 years later they DO have to give you the larger amount and pay the back pay. I was not sure they would admit this but they did.