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Can I Still Receive SSDI at Retirement Age?

For many years, full retirement age, also known as “normal retirement age” was set at 65. However, that figure has slowly changed over the years.

Today, for people who were born in 1938 or later, the retirement age increases gradually until it reaches 67 for individuals born after 1959.

Under the 1983 Social Security Amendments, there is a provision for raising the full retirement age for people who were born in 1938 or later. Why was the full retirement age increased?

According to Congress, the changes were made because of improved health in older people and the increase in the average life expectancy, which makes sense.

Click here to find your age in the Retirement Age Calculator.

Social Security Disability & Retirement Benefits

Let’s say that you are 65 and receiving Social Security Disability benefits. When you turn 66 (full retirement age), can you suspend your Social Security and continue receiving your disability payments?

No you cannot. Your SSDI benefits automatically convert to the standard retirement benefits once you reach your full retirement age. Unfortunately, you don’t have a choice in the matter, and there’s no need for you to enroll because your benefits will change automatically.

Once you reach full retirement age, you will need to decide whether you wish to continue receiving your benefits, or if you’d rather suspend them until you turn 70.

If you decide to suspend them, your benefits will cease for the time being. On the plus side, you will earn delayed retirement credits of 8 percent per year.

If you are able to return to work in the meantime, doing so would not affect your benefits in this case since you’d be returning to work after you reach full retirement age. Furthermore, the earnings test won’t apply.

To learn more about Social Security Disability, or for assistance applying for benefits, don’t hesitate to contact our office to speak with a Dallas Social Security Disability attorney.