As this blog often notes, it isn't easy to successfully apply for Social Security Disability benefits. The Social Security Administration rejects a majority of first-time applications, and although applicants get chances to appeal this rejection, getting through the bureaucracy can be difficult.
As they get older, Americans must think about saving up for retirement, and many come up with a simple plan: Work longer. Many Americans are working past age 65. Staying in the workforce longer can, of course, help a person to save up more money. There are also tax advantages to this strategy, as workers can save their money in a 401(k) or other retirement account that avoids or defers taxation.