Will My Disability Change When I Turn 65

Will my disability benefits change when I turn 65? Approaching age 65 and wondering how it affects your Social Security disability benefits? Understanding these changes is crucial for your financial planning. As you near 65, it’s natural to question what happens to your Social Security disability insurance benefits. While 65 was traditionally considered the standard retirement age, current regulations have shifted the full retirement age FRA to between 66 and 67 depending on your birth year. In this

video, we’ll clarify how your SSDI benefits transition as you reach FRA and what to anticipate during this period. Your FRA is the age at which you’re eligible for full Social Security retirement benefits. It’s determined by your birth year. Born 1943 to 1954, FRA is 66. Born 1955 to 1959, FRA ranges from 66 in 2 months to 66 in 10 months. Born 1960 or later, FRA is 67. Therefore, turning 65 doesn’t automatically equate to reaching your FRA. Upon reaching your FRA, your SSDI benefits will automatically convert to

Social Security retirement benefits. This transition is seamless and typically the benefit amount remains the same. For most recipients, this change doesn’t require any action on your part. If you’ve been receiving SSDI for at least 24 months, you’re already eligible for Medicare, regardless of age. Turning 65 doesn’t alter this coverage. Your Medicare benefits will continue without interruption. While SSDI benefits automatically convert at FRA, you have the option to switch to retirement

benefits as early as age 62. However, opting for early retirement benefits can result in a reduced monthly amount. It’s essential to weigh the pros and cons before making this decision. Navigating the nuances of Social Security benefits can be complex. At Disability Advice, we’re committed to providing expert guidance to help you understand and manage these transitions effectively. Visit disabilityadvice.org org for comprehensive resources and personalized assistance tailored to your needs. Turning 65 doesn’t immediately

impact your SSDI benefits. The automatic conversion to retirement benefits occurs at your designated FRA, ensuring continuity in your financial support. For more detailed information and support, reach out to disability advice.