In general, SSDI is not a resource or asset based program, so opening an IRA account should not have any effect on the SSDI eligibility or benefit level. If you are asking if you can open an IRA while getting SSDI and take an income tax deduction for the IRA contribution, then this should also be possible if you meet the other requisite criteria for the IRA contribution and income tax deduction.
There is no term "official retirement age" used in Social Security. "Early retirement" is Social Security retirement taken at any point before "full retirement" age. Early retirement will not apply in the case of an individual receiving SSDI as that individual will continuing receiving SSDI (assuming no medical improvement, no incarceration, etc.) until that individual's full retirement age. For an individual born in 1952, the full retirement age is at 66 years old.
Disclaimer Information on this site is provided by Brian Scott Wayson as general information, not legal advice, and use of this information does not establish an attorney-client relationship. If you have questions about your specific situation, please call an attorney.