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need a knee replacement, Could I apply for early retirement

Q) I’m 44 and need a complete knee replacement, which I cannot afford. It has taken a toll on my body. Could I apply for early retirement.

A) You would not qualify for early retirement as Early Retirement Age is 62. You can only get Social Security retirement benefits at the early age of 62. Early retirement will reduce your benefit if you retire before your full retirement age. For example, if you turn age 62 in 2021, your benefit would be about 29.2 percent lower than it would be at your full retirement age of 66 and 10 months. You may consider applying for social security disability. The Social Security and Supplemental Security Income disability programs provide assistance to people with disabilities. Before applying, be ready to provide information about yourself, your medical condition, and your work.

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