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Will My SSD Benefits Turn into Retirement Benefits at Age 65?

October 11, 2018

Will My Social Security Disability Benefits Turn into Retirement Benefits at Age 65?

For many, receiving social security disability benefits can be an extreme relief – especially considering that 70% of claims are initially denied. If you are among that group that has been denied, please don’t hesitate to get a professional involved to help you right away.

But if you are among those that are currently receiving benefits, you may wonder what happens to the benefits when you advance in age. As you reach retirement, you will want to know if your social security disability benefits turn into retirement benefits at age 65.

SSDI Benefit Conversion at Retirement

The good news for individuals wondering about benefit transfer is that benefits to convert from social security disability benefits to social security retirement benefits once you do reach retirement age. This happens fairly seamlessly as well, as you will continue to receive a monthly check just as you had previously, and you will not actually have to file any paperwork to make it happen. Another benefit to many is that there is no limit on earnings in relation to your benefits once you reach that retirement age, which is unlike when you were considered in the workforce. The retirement guidelines now dictate the amount you receive.

The backend process is simply that the Social Security Administration changes the disability benefit to a retirement benefit once you reach your retirement age. The age of retirement, however, is where things can vary from person to person.

SSDI Benefits Don’t Automatically Convert at Age 65

When speaking in generals, the assumed retirement age is often 65, but this is actually not the case for every individual. This is what can affect the age at which your benefits will transfer to retirement benefits. The fact is, only individuals born before 1937 reached full retirement age at 65 exactly. Anyone born later will not reach retirement at exactly age 65, meaning the age at which they are eligible to receive their benefits will vary.

So when can you expect your benefits to switch over? It all depends on you birth date. Below, we’ve attached an easy system for you to understand when this happens.

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

If you or someone you know is struggling to receive benefits, no matter their age, please get them in touch with us here at Tabak Law. We have a wealth of experience in the social security disability field and we truly fight for individuals who feel they have been wrongly denied. Call us today at 844-432-0114.

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