I. What Happens to SSDI When We Hit Age 65?
If you remain disabled until you reach the age of 65, then you will be able to keep your Social Security Disability benefits until you reach retirement age. At that point your Social Security Disability payments will change from Social Security Disability to Social Security Retirement payments.SSDI benefits convert to Social Security Retirement benefits once you reach full retirement age (FRA).
You will continue to receive a monthly check and you do not need to do anything in order to receive your benefits.
Your full retirement age (FRA) varies depending in which year you were born.
A. SSDI: Early and Full Retirement Age
Early Retirement Age: 62 yrs.
Age to Receive Full Social Security Benefits or Full Retirement Age (FRA)
†If you were born on January 1st of any year you should refer to the previous year. (If you were born on the 1st of the month, we figure your benefit (and your full retirement age) as if your birthday was in the previous month.
|Year of Birth||Full Retirement Age|
|1937 or earlier||65|
|1938||65 and 2 months|
|1939||65 and 4 months|
|1940||65 and 6 months|
|1941||65 and 8 months|
|1942||65 and 10 months|
|1943 – 1954||66|
|1955||66 and 2 months|
|1956||66 and 4 months|
|1957||66 and 6 months|
|1958||66 and 8 months|
|1959||66 and 10 months|
|1960 and later||67|
B. SSDI: Benefit Amounts from Early to Full Retirement Age
Claiming benefits before full retirement age (FRA) will lower your monthly payments— you can start at age 62; the earlier you file the greater the reduction in benefits.
Note: You have the option to leave early retirement benefits only once within the first 12-month period. But you must repay all monies from that 12 month period in one payment.
Here's how it works if your full retirement age (FRA) is 67.
If you start your retirement benefits at age 62, your monthly benefit amount is reduced by about 30 percent. The reduction for starting benefits at age
- 63 is about 25 percent;
- 64 is about 20 percent;
- 65 is about 13.3 percent; and
- 66 is about 6.7 percent.
C. SSDI Retirement: Work and Income
In 2022, the annual earnings limit is $19,560 if you’re under full retirement age (FRA). You lose $1 in benefits for every $2 earned over $19,560.
Within the year you will reach FRA, the limit on your earnings for the months before full retirement age is $51,960. You lose $1 in benefits for every $3 earned over the limit, until you actually hit your full retirement age.
Starting with the month you reach full retirement age, there is no limit on how much you can earn and still receive your benefits.
Social Security does not count pensions, annuities, investment income, interest, veterans or other government or military retirement benefits. Social Security only counts net income if you are self-employed.