Do Social Security Disability Benefits Switch to Retirement Benefits When You Turn 65?
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- Опубліковано 10 тра 2022
- LinerLegal.com
(216) 282-1773
THE BOTTOM LINE: Michael Liner is here to give you the bottom line on disability benefits! Today, he tackles the topic: Do Social Security Disability Benefits Switch to Retirement Benefits When You Turn 65?
Do you have have a question for Michael? Drop it in the comments, send us a message, or submit it here ➡️ bit.ly/3tsIGqC
Katie Nobles:
Hi, I'm Katie Nobles
Michael Liner:
And I'm disability attorney Michael liner.
Katie Nobles:
And you are watching the bottom line with liner legal. Today's topic is a question from our client Benjamin. He wants to know, do social security disability benefits switch to retirement benefits when you turn 65?
Michael Liner:
Thank you, Katie. And that's a great question, Benjamin. I love all the questions that are coming in from our clients. If you are receiving social security disability benefits SSD. So the, the disability benefit that is based on your work history, then if you are also entitled to retirement benefits, which people are, if they've worked for at least 10 full years then yes, at 65, the benefits do automatically transition over to retirement benefits. A unique thing about the age of 65 for people who aren't in the realm of SSD benefits is if you are receiving SSI benefits, or if you're applying for SSI, you are automatically eligible to receive it at the age of 65. You don't have to even be disabled to receive SSI after the age of 65, which a lot of people don't know. But it's essentially it does provide for people of older age who maybe haven't had an opportunity to work during their adult lives. So 65 is a trigger age for a few things with SSD the benefits transition over to retirement benefits. And it's also an automatic eligibility age for SSI recipients. Great question, Benjamin.
Katie Nobles:
All right. And thank you so much for answering that, Michael, and we are accepting all of your questions. If there's anything that you wanna know, you can submit that on our website, that is LinerLegal.com.
I got my switch over the letter at 66 1⁄2 in the amount of benefits did not change
OK SSDI automatically transfers to regular Social Security retirement …..but do I keep the same amount I was getting while on SSDI in regular retirement ?
TO SSI & SSDI Gen X(1965-1980), the government might mess with us and make our returement age 70 years old. That is 11- 24 years from now for Gen X.
Well, this is as clear as mud. My insurance agent said the same thing as Michael Liner and what he is stating is clear and concise except for the fact there are differing statements on this from a couple reliable sources. My transition would have just happened as I just turned 65 and I checked this since my advantage plan agent said at 65 I am now considered retired. As a result, I checked and a couple sources said my retirement age which would be 66 and some odd months.
Also, a friend of mine, years ago was converted to retirement at 62 from SSDI they reduced her benefits at that time and this may have been due to her having some kind of plan from her work. I cannot recall what her plan was called.
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What happens when you have never used your ssdi where does that go
What if your SSDI and never worked. And they cut you off at 65. ?
This information is incorrect because many do not reach full retirement age until 67 therefore, your Social Security Disability Benefits do not switch over at 65 but at 67.
SSDI benefits will switch over to retirement benefits when you reach YOUR normal retirement age. For me it will switch when I reach 66 1/2 years old. I’ve been on SSDI since 2016. I’ll reach 66 1/2 in Jan 2024 so my SSDI will change to retirement benefits beginning in Feb 2024. Yep…clear as mud! Later…..
I now actually am more confused. Was that the purpose?
I have a question can an disabled adult who had ssi switch to dac benefits because his father passed away the disabled adult child has gotten ssi since he was a child in if so how long would it take for social security to send payments?
If you have SSDI and reach your full retirement age of 66 + ? months, can you then earn any amount of $ through work income or must you stay at the earning limits that are imposed on SSDI recipients?
Do you get 1 check or 2
If you go back to work past your 64th birthday and collect SSD does it still transfer over to Retirement?
I'll be 63 this year but I'm on SSDI and have been for a while , will it change in $$$ when i turn 65 ? or does it stay the same ..(2) will they switch my SSDI to SSI ? or how do they calculate my income then ? meaning if my SSDI is at the full amount which it was a gain this year in 03 if my SSI is higher then SSDI will they switch it over or will they take the lowest amount ?
1)Money will stay the same 2)It changes from SSDI to Social Security Retirement at your Full Retirement Age (FRA) 67 if you are born after 1960
I am on ssD i have one more year for 65. I worked until 2010. My icome now is very little compared to my earnings. Will my retirement be more?
It should be the same. SSDI is paying you at your FRA , once you reach 65 it is changed to regular SS No need to do anything it’s automatic. 🙏 best wishes.
I am disabled and receiving SSDI benefits at age 60 , before it converts to SS Retirement benefits at age 67 can I then postpone those benefits until I reach age 70 to increase the benefit amount I receive?
No, unfortunately you can not do this.
hey do you still have to do CDR?
What happens if you lose your disability income because you got better at age 64 after being on disability for 20 years? With all those zeros for years not worked a normal retirement benefit would be very very low it could be a financial disaster if you recover somehow before retirement age. What happens for these people like me if it happens?
I am confused. I will be 65 next month but I am not supposed to be eligible for full retirement Social Security benefits until I am 66 1/2 years old. You said that we would automatically be switched over when we turn 65. Since that is 18 months before I am eligible for 100% of my Social Security retirement benefits, does that mean I will receive lower benefits amounts the rest of my life than I would have if I was switched to the regular benefits at 66 1/2? Or were you just using the number 65 as shorthand for whatever the age is that we qualify for full retirement benefits?
Excellent question. Since SSD payments are essentially like receiving Social Security at full retirement age, the 18 months until 66.5 does not matter--you should have been receiving the full SSR amount through SSD all along.
@@LinerLegalLLCCleveland Thank you for your reply. I think you misunderstood my question though as what I was asking about was the comment made in the video that at age 65 the benefits automatically switch from SSDI to regular Social Security. I was asking did you really mean that happens at age 65 for everyone since many of us, me included, won't be eligible for full regular Social Security benefits until later than age 65. i.e., were you just using the number 65 as shorthand for whatever the age is that we qualify for full retirement benefits or did you literally actually mean age 65
@@doreenplatt3873 He's wrong. Your SSDI benefits will turn into SSB at your full retirement age. The age range for Full retirement is between 66 and 67.
It will switch over automatically when you reach full retirement age. If 65 is not your full retirement age you can switch but the amount you receive will not be the full benefit.
So I call this social security office to find out these questions that you were talking about so if I were to get social security disability today I would get only $967. But if I was to retire today I would only get $600 and $9. But when I turn 65 you're saying it will automatically go to my retirement and not my disability so that meaning my check would only be $600 now and not $900. So they're going to be taking money away from me now.? If I'm receiving social security disability I get more so if it changes from disability to only my social security then I'm getting less. That's a s*** raw deal
Basically man if you are getting $967 from social security that money transferred over to social security retirement benefits so you would get the same amount of money that you were on social security. That's the way it's going to happen with me I get $918 a month but when my retirement money comes in it will only be the same amount as when I was on social because I have social security disability insurance. SSDI for short! And basically I wouldn't have to do anything to apply for social security retirement benefits because it will automatically switch over immediately after you turn 65.
This one is confusing. I've been on SSI/DI since the age of 37. I started out receiving $1700 a month (married & wife makes $22k a year) I'm 53 now & I've been receiving $2000 a month since 1/23. Does this change to a lower income at retirement? Or roll over to SSI or whatever at retirement age? Born in 1970.
@@Mike_The_Hog_A_Natorid like to know the answers to this as well
Your SSDI payment is calculated on what retirement benefits you would get at the 65 or 67 figures.
If on ssdi can you convert it to regular ret. at age 62??
That would be an unadvisable thing to do. People that retire at 62 get nearly 30% less than their full retirement benefit. Since you're getting SSDI, you are getting the amount of your full retirement today. You will automatically be converted to SS retirement when eligible. You cannot collect retirement and SSDI together. It's one or the other. So, to recap, if you switch it yourself at 62 before your full retirement age, you'll get about 30% less money for the remainder of your life.
If for some reason you are going to work full-time and no longer collect SSDI, it still doesn't make since because you will get 70% of the full retirement plus a a reduction for working and being retired under the full retirement age. Then, when you are fully retired, you're still at the 70% for the remainder of your years.
Your best bet is to stay with SSDI. If you can work, work part-time within the SSDI guidelines or get off of SSDi and work full-time until age 70 to get the maximum retirement benefit. Hope this helps.
Well I'm going to be turning 65 in my October and I can tell you this is going to work just as well for me because I can switch over from SSDI to social security retirement benefits because they will work just as the same way as it did when I was on SSDI. But for the time being you would be getting partial benefits until your 66 and a half years old!
I got my switch over letter from the social security department at 66 1⁄2 and the payment did not change
So if your on disability you transition to
retirement at age 65? My FRA is at 66 years and 10months. Does that mean only if I was working up to that point?
hey do you still have to do CDR?
Yes if you are only working up to that point.
My brother was on disability he couldn't work made 915. A month social security contacted him said he gets a little bit more for what he earned while working brought him up to 1400 they said you make to much can't have both took about 500 away from him now he back down to 930 a month .How is that possible? He did work for awhile earned the extra but social security took that money away.
Probably he was getting SSI disability which is welfare payment. If he becomes eligible for retirement benefits, he can't collect the SSI money.
Disability rules of disability is bs I worked ever since I was 14 and worked til my 30’s than I stopped when my daughter was born than went back to work and worked strenuous construction work and got seriously hurt at home from the apartment I lived in renovations of the shower by using a slippery paint in it. on my back on the toilet now my backs hurt badly and since this new thing, I don’t qualify for disability because I took a break away from work to raise my daughter
They said it because he collected early really he couldn't work due to bad health.They took his money away..
Im 39 ive been on ssi my whole life and havent worked. What happens to me financially after retirement age whatever that may be in the future?😢
Same SSI .