What happens to my Social Security disability benefits when I reach retirement age?
When you reach retirement age, your Social Security disability benefits will stop and your full retirement benefits will kick in. Now there’s two different retirement ages. If you’re 62 for example now you can file for Social Security retirement. But that doesn’t mean you’re not eligible for Social Security disability insurance benefits. There will be an offset for the amount of retirement benefits you receive versus the amount of Social Security disability benefits you receive. SSDI is always higher than your early retirement amount.
I always encourage people that are out of work and can’t find anything else that are disabled to file for your Social Security early retirement and we take the case on and we will prove the disability case knowing that there’s going to be an offset. But it’s advisable to get the SSDI because at the age of 65, you will have collected your Social Security disability insurance and then you go to a full retirement age and you collect your full retirement amount, so you’re not shortchanging yourself by not falling for Social Security disability even if you’re eligible for early retirement and disabled.