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Do Social Security Disability Benefits Switch to Retirement Benefits When You Turn 65?

Many people wonder what happens to their Social Security Disability benefits when they reach retirement age. Do they stop receiving disability benefits? Do disability benefits continue? Are they converted to Social Security Retirement benefits? It can be confusing to understand how the process works and individuals who receive SSDI benefits want to ensure that they are not left without an income once they reach retirement age. If you are wondering what happens to your SSDI benefits once you reach age 65, the following information will help.

The Benefits Do Convert

The first thing you need to understand when receiving SSDI benefits is that the benefits do convert from Social Security Disability benefits to Social Security Retirement benefits once you reach retirement age. Nothing will change. You will continue to receive a monthly check and you do not need to do anything in order to receive your benefits. The SSA will simply change your disability benefit to a retirement benefit once you have reached full retirement age. When you reach that age, however, can vary depending on which year you were born in.

It’s Not Automatically 65

Many people think that their SSDI benefits will automatically change to retirement benefits when they reach age 65. Some of these people are correct, but only those who were born before 1937. Anyone born after 1937 does not reach full retirement age at exactly 65 years of age so their SSDI benefits will not change to retirement benefits as soon as they turn 65 years old. When will these benefits convert? It depends on the year you were born. The following outline will help you understand at what age your SSDI benefits will convert to retirement benefits:

  • 1938 – 65 years and 2 months
  • 1939 – 65 years and 4 months
  • 1940 – 65 years and 6 months
  • 1941 – 65 years and 8 months
  • 1942 – 65 years and 10 months
  • 1943 through 1954 – 66 years
  • 1955 – 66 years and 2 months
  • 1956 – 66 years and 4 months
  • 1957 – 66 years and 6 months
  • 1958 – 66 years and 8 months
  • 1959 – 66 years and 10 months
  • 1960 and later – 67 years

By reviewing the age breakdown above, you can see at what age your Social Security Disability benefits will convert to Social Security Retirement benefits. Once you begin receiving Social Security Retirement benefits, you will receive your benefits without any limit on your earnings. This means that you will begin receiving your monthly benefits regardless of your income, unlike when these benefits were simply SSDI benefits. When your SSDI benefits convert to retirement benefits, the SSDI rules no longer apply to the benefits as the benefits now fall under the retirement guidelines.


If my ex is receiving some of my Retirement from my will she receive any more when my Social Security convert to Social Security Retirement?

Hi Rodney,
I do not believe so. She would be able to earn more from working in addition to receiving retirement benefits, but that is all.

My son was born legally blind. He gets ssdi benefits. I doubt that he will have work credits. Will his ssdi benefits change when he turns 65?

I am also a 'legally blind' SIDI man under " the blindness rules".
The switch to Retirement Benefits is automatic are his Full Retirement Age. This is determined by the year he was born. has a chart with birth years & a FULL Retirement Age Chart, this will tell you if his switch is when between 65 to 67.
If he does work, he can then earn any amount with NO limits after full ret. age.

When I reach age 66; I will begin to receive retirement benefits; I wanted too know if the amount I will receive from retirement will be added with the ssdi or do the ssdi stop & you only receive retirement benefits???

HI Heidi,
The SSDI benefits would cease and you would receive the same amount as retirement benefits.

Please clarify: I receive $1200 a month now. when I am 65 (my age where SSI changes to regular social security is 67).

When I am 65, I will receive a $350 a month annuity from my old company; that is all. What will be my net take home per month will it be $1550 or will it be $1200 (b/c $850 will come from social security and $350 from the annuity.)

Also, when my SSI converts to regular Social security benefits at age 67 will then I be keeping my $1200 per month AND my $350. The annuity could vary in years from 15 to life (with varying amounts.)

Thank you

Hi Heide,

SSI will NOT convert to retirement. SSDI will change, but if you begin receiving additional benefits, your SSI payments will likely decrease. The dollar amount you'll lose will not be as high as it would be for many because you're receiving unearned income. If you are receiving SSDI and SSI at the same time, when you receive your retirement benefits you'll likely lose the SSI but keep the SSDI (converted to retirement) and your annuity.

I'm confused. When I reach retirement age, my disability converts to retirement, but you're saying it stays the same amount ? I also get a long-term disability payment from my employer will that change ? Thanks so much I was totally unaware of any of this !

Hi Maryann,
Generally, your benefits amount would not change, however you may want to contact the company that administers your employer's long term disability policy about this as they'd have specific details about your policy.

Hi there,
Generally you can draw off a spouse's disability if you are over a certain age and they are deceased.

Hi Annie,
If you are still eligible for SSI benefits, then it may change depending on what you would receive for SSA retirement benefits.

Hi George,
I really could not say as I do not have specific information about your case, however you would have a reduced benefit as you would be retiring early.

I get a decent amount for SSDI benefits.. I was born in 1953 ... I am 63 years old ... Will my income go down if I switch to social security benefits?

Hi Michele,
Your payment was "frozen" when approved for SSDI, so you are currently earning the highest payment you could.

HI Rhonda,
Your benefits may not change if you convert to retirement benefits at full retirement age.

I'm getting ssdi I will be 62 this July I received Medicare card in the mail what do I need to do will my benefits continue

Hi Marilyn,
Yes, your benefits will continue regardless of your age, so long as you still are disabled and aren't working.

Hi there,
If you're receiving benefits now, the amount may not change once you start receiving retirement benefits.

Deanna, my husband is under this same example. Your stating that the benefits will continue regardless of your age. However, you did not mentioned anything about the monthly payment. Will it drop?

Hi Fatima,
The monthly benefits( payments) would continue in this scenario.

I would also call the Social Security office and see if you need any other insurance along with your new Medicare benefits so that you do not get any penalties. For example, some people can be penalized (monthly) if they do not have Part D coverage along with their MedicareA and B. Part D is prescription coverage. Part C is supplemental coverage which sometimes includes part D and is usually a Medicare recipients best bet. Tip: If you call, let them know right off the bat, that you are calling because you are a NEW Medicare A and B recipient and would like to talk to someone about what other coverage you NEED to have. Best of luck. It sounds much more complicated than it actually is.

I also receive sidi and received my medicare card in 2016. When I went to a seminar on it and did research, I found that it was cheaper to go with a Medicare advantage insurance rather than straight medicare. if you go straight medicare, the supplement programs that are available to you if your under 65 are very outrageous on monthly premiums.

Hi Kathy,
Thanks for sharing! It's true, Medicare Advantage plans may be able to help save you money.

Hi there,
You may still be eligible for Market Place coverage, however you would also become eligible for Medicare after two years on SSDI benefits.

You can also apply for the QMB program if you're lower income and get food stamps , the state will pay for your Medicare & you can also receive Medicaid call family services to see if you are entitled

Yes, you may be qualified for the "Medicare Savings Plan" -- there are 4 levels. You must call a dept of health services near you to discuss entry to the program (Can get Plan A & Plan B covered / or just one or the other + help with co-pays, deductibles, your 20%/ 80% on out of plan specialists. -- great program! Has really helped me.
You should ask about the Extra Savings Plan for your medications too --- it functions along side your Medicare insurance --- can make a big difference --- none of my RX cost over $9!
I've personally found the Advantage Medicare Plans to be the best. --- If you find yourself on a QMB plan that only covers Plan OR Plan B --- you will receive a monthly bill for the premium *** If this cost is too much --- apply to your states DSHS 'Medicaid' . You may qualify for the state to pay that monthly amount. On the form -- put an X by Healthcare --- that's what you will be applying for. Hoped I explained this so it helps. Lots of people just suffer through because they don't know about these programs. Along with applying for Healthcare -- you might as well apply for Food Assistanc (SNAP) --- (given a debt card to purchase food -- no colored paper anymore) ---- depending on your state -- as an individual-- you may qualify for up to $150 per month. All of this can make your financial life much easier. Shove that pride down and do what's best for you.

you will need to decide about what you want to do with your medicare as a disabled person you won't qualify for medigap unless you want to pay an outrageous amount of $$$$. I added a medicare advantage plan instead of traditional medicare. I won't qualify for a regular medigap until age 65 if I understand it right

I am on sad. When it converts to as retirement will I get the same or more or less income.

Hi Sharon,
Your income will stay the same when it converts to SS retirement benefits.