Q: I have been getting Social Security disability benefits since 2010. I am coming up on my 62nd birthday and would like to know if I can file for regular Social Security and get higher retirement benefits. Also, I have a 14-year-old daughter who is currently getting benefits on my disability record. Will she get higher benefits, too? A: First of all, you are already getting “regular” Social Security. There is nothing irregular about Social Security disability benefits. I tell people to think of the Social Security disability program as an early retirement benefit that is simply paid to you before you reach retirement age because you have a disabling condition. And in fact, a Social Security disability benefit pays the same rate as a full retirement age benefit. So you definitely don’t want to switch to a reduced retirement benefit at age 62. When you reach your full retirement …