By Chris Sharry on October 22nd, 2024 in Disability, Social Security Disability
When you reach full retirement age, your SSDI disability will convert to regular Social Security benefits. The difference between your disability payment and retirement benefit is usually negligible so you shouldn’t notice much of a difference with the income you receive. You’ll still get a monthly check and don’t need to complete any paperwork once you’ve reached full retirement age. The SSA will automatically switch your SSDI payments to retirement benefits when you reach this milestone. When do you reach full retirement age? This depends entirely on your birth year.
Most people think of 65 as “retirement age,” but benefits don’t automatically transfer then — unless you were born before 1937. Here’s how to calculate when your benefits will transfer from SSDI payments to retirement income, based on your birth year:
- 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
- 1943-1954 – 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 beyond – 67 years
If you are approaching retirement age and have questions about how your SSD benefits will be affected, Attorney Chris Sharry is here to help. Understanding the transition from SSDI to retirement benefits can be complex, but with the right guidance, you can navigate this process with confidence. Contact our office today to schedule a consultation and ensure you’re fully prepared for retirement.
