| You are on Social Security Disability Benefits and are at full retirement age – what happens next? Find out from Social Security Disability Attorney Nancy L. Cavey.

Need help with your Social Security Disability claim? We can help with any questions you may have – contact us today at 727-894-3188 for a free consultation.

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00:00 – What happens when I reach full retirement age?
00:20 – How much will my benefits be?
00:30 – Where is the money coming from?
01:05 – Questions? Call me!…(read more)

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Social Security Disability benefits are an essential form of financial assistance for individuals who are unable to work due to a disability. However, as recipients approach full retirement age, there are some important considerations to keep in mind regarding their benefits.

Full retirement age is the age at which an individual is entitled to receive their full Social Security retirement benefits. For individuals born before 1938, full retirement age is 65. For those born after that, full retirement age gradually increases, reaching 67 for individuals born in 1960 or later.

When a Social Security Disability recipient reaches full retirement age, their disability benefits automatically convert to retirement benefits. This means that the amount of their monthly benefit will remain the same, but it will now be considered a retirement benefit instead of a disability benefit.

For many individuals, this conversion process is seamless and does not result in any changes to their benefit amount or eligibility. However, there are some cases where individuals may see a change in their benefits at full retirement age.

One potential change is that individuals who were receiving disability benefits may also be eligible for additional benefits, such as spousal benefits or survivor benefits. These additional benefits may be available after the conversion to retirement benefits, providing recipients with an increased level of financial assistance.

Another consideration for individuals reaching full retirement age with Social Security Disability benefits is whether they will also be eligible for Medicare. Most individuals who receive Social Security Disability benefits are automatically enrolled in Medicare after they have been receiving disability benefits for two years. However, if an individual reaches full retirement age before the two-year waiting period is up, they may need to apply for Medicare separately.

It’s important for individuals approaching full retirement age with Social Security Disability benefits to review their benefit statements and understand how the conversion process will impact their benefits. Additionally, individuals may want to consult with a financial advisor or Social Security representative to ensure they are taking advantage of all available benefits and making informed decisions about their financial future.

In conclusion, reaching full retirement age with Social Security Disability benefits involves a conversion process to retirement benefits. While this conversion typically does not result in any changes to the benefit amount, recipients should be aware of additional benefits they may be eligible for and any steps they need to take to enroll in Medicare. By staying informed and seeking advice when necessary, individuals can make the most of their Social Security benefits as they transition into retirement.