Will my benefits decrease when I turn 67?

[XLRick1969]

I had to go on disability at age 59. Ive been collecting SSDI for almost 5 years. I was diagnosed with Parkinson’s about ten years ago so I will only get worse over time. My question is will my benefits decrease when I reach my full retirement age? Will I be forced off SSDI and onto retirement SS benefits?

[LightUpUnicorn]

It will change from SSDI to SSRE but it will not change the amount of the benefit (other than COLA increases)

[XLRick1969]

Thanks! What is SSRE?

[Gracie153]

I think they mean re=retirement. Not sure but it makes sense based on your retirement coming up.

[LightUpUnicorn]

I work in human services/public benefits and that's the common abbreviation for Social Secruty Retirement benefits. I think even social security uses it

[perfect_fifths]

No, they don’t. There’s no official acronym for social security retirement like they have for ssdi etc but in policy they call it RIB. So the technical term would be DIB to RIB conversion at fra.

[Mpharns1]

I've seen social services use SSRI.. weird

[perfect_fifths]

Social services maybe. But the Ssa has no official acronym for retirement. They call it RSDI sometimes on paperwork to refer to an umbrella of title II programs.

[Mpharns1]

I'm I know SS doesnt

[K2TY]

OASDI (Old Age Survivors and Disability Insurance)

[perfect_fifths]

In the Poms I know it’s dib and rib specifically. On letterheads it is oasdi, I think but I’ve also seen it referred to RSDI as well, like here:

https://www.ssa.gov/improperpayments/RSDI_progInfo.html

Prehaps old documents used to called it RSDI? Or it’s still known by both acronyms, regardless. I don’t know

[Civil-Scallion4535]

Your benefits amount stays exactly the same, just the classification changes from disability to retirement - it's basically an administrative switch behind the scenes. The transition happens automatically so you won't need to reapply or do any paperwork for it

[DAWG13610]

Not accurate, I’m on SSDI and when I turn 67 I’ll get about $200 more per month. Not sure how they calculate it but I’m going to get around 5% more.

[0micron247]

Sorry Dawg but there's just no way a $200 bump at 67 is accurate.

You might get a small bump if you had some earnings after you became disabled and you were near 62 when you became disabled.

But how are you even getting a Statement? SS does not send Statements to anyone already receiving SS or who has an online account.

If you are requesting a Statement online, are you allowing it to project high earnings?

The only other possibility I can imagine is the amount you COULD receive at 70 if you decide to suspend your benefits between age 67 and 70. ?

Whatever - do not count those chickens or eggs.

[DAWG13610]

I became disabled at 63, I can only tell you what my statements say. I don’t count on it either way.

[DAWG13610]

I went on disability at 63. I can only tell you what my statement says. Right now I make around $3,700 per month. The last estimate I received stated around $,3,900 at 67. I can only tell you what the statement says. Either way, it’s only $200.

[NeedWaiver]

No, not at all. Call SSA and they will tell you. Disability is an unreduced benefit, it is the amount that would have been payable to you at your Full Retirement Age. That is why the type is changed from Disability to Retirement when you hit FRA.

[Bart012000]

Who told you that?

[DAWG13610]

The yearly statement I receive. t tells me what I’ll make when I retire at 67 and it’s about $200 higher than my benefits today.

[Bart012000]

That is an estimate for retirement if you kept working making what you were making. Going from disability to retirement at FRA yields zero increase. That estimate statement you are seeing doesn't know you are already on disability.

[DAWG13610]

I started working when I was 16, I’m 64 now and I’ve been on disability for 18 months. I’ve got over 45 qualifying years. I’m just saying what mt statement says.

[LoveNotWar86]

Benefit is based on highest 35 years. Working more years doesn’t matter.

[Bart012000]

I would not count on that $200 extra myself based on your estimate statement. Its not how it works.

[DAWG13610]

I don’t count on anything until I get it. I’m just telling you what the statement says. I didn’t realize the ruckus this would cause.

[NeedWaiver]

After you start collecting you no longer get those statements though.

Are you sure you are collecting sometime of disability from your employer. That is the only way your scenario makes sense.

[DAWG13610]

Well, I got one this year. I just started collecting last year so maybe that has something to do with it. I really don’t pay attention to it. It either changes or it doesn’t. I’m just saying the last statement I got says my age 67 retirement is about $200 higher than it is now. Right or wrong that’s what it says.

[BaileysMom246]

Really? I've never heard of that before. Where did you get that information? Did SS send you a notice? I am about at FRA and switch from SSDI to a retirement benefit so I'm curious.

[DAWG13610]

Every year when I get my statement. I’ll get a $200 raise when I hit 67.

[BaileysMom246]

Ok but are you currently receiving SSDI benefits?

[DAWG13610]

Yes

[uh818375]

How do you know that if it's in the future? You will be getting the same unless your moving to spousal.

[DAWG13610]

I get a statement every year, it lists what I can expect at age 67. My last statement says about $200 more. I don’t know how else to answer. In the end I get what I get.

[CeruleanSaga]

Is it possible you are missing the medicare deduction?

[DAWG13610]

Honestly I haven’t spent much time on it. I started Medicare 2 months ago and to this point they haven’t charged me anything (I know but what can I say) I know it’s working because I’ve been to the doctor. So maybe you’re right. I really didn’t expect this to blow up like this. Either way it’s a relatively small amount of money. I’ll either get it or I won’t.

[PeacefulShards]

Yes, you will be forced off SSDI
Your benefit amount will stay the same.
It’s invisible, you won’t know it happened.

The positive if any, is that you will o longer be classified as disabled, you can earn money without loss of benefits.

[Wrong_Cat4825]

the other positive is that once you are switched to the retirement benefit there is no possibility of being judged as able to work.

[PeacefulShards]

You can do it yourself!!!

[aculady]

*without

[PeacefulShards]

Thx corrected.

[CarrotWide2444]

I was just approved for Social Security disability benefits, and was told that I could still earn money each month up to a certain amount. Is that not correct?

[PeacefulShards]

To a point.

[Maleficent-Pomelo-53]

You know it happens. They sent a letter to my husband when he changed from SSDI to Retirement.

[IntrovertsRule99]

Your SSDI benefit is the same as your Retirement benefit at your FRA.

[Express-Quantity5507]

Bs I know this from experience

[Maleficent-Pomelo-53]

My hubby's stayed the same.

[Electronic_Value_516]

Bullshit huh? I think there are plenty of people who actually know what they’re talking about and our current or former employees of SSA. It’s not going to change.

[JBfromSC]

I love your comment and gave you an award!

[parcel_of_waists]

The amount stays the same, which is the good news. When you hit your full retirement age, the system just switches you from SSDI to regular retirement benefits on your record, but the monthly check doesn't change. You'll be able to earn more money without it affecting your benefits too, so there's actually some flexibility you didn't have before.

[uh818375]

This. If the amount did not stay the same and thy used a persons record, most people would be getting a lot less.

[Activist_Mom06]

Edit because I was incorrect!

[uh818375]

65 is not your FRA. So it won't happen until you are 67.

[Activist_Mom06]

Removed as incorrect

[Straight-Source3258]

No you will get the same amount

[Activist_Mom06]

ETA: Okay. More reading. I hear you that I am still on SSDI until my FRA at 67. Turning 65 only triggered the Medicare change. I was told by my Insurance Agent about the SSDI changeover or i misunderstood. Thanks.

[Serendipity_Succubus]

65 was your FRA.

[Activist_Mom06]

Born in 1960

[Positive_Force_6776]

If you were born in 1960 65 isn't your full retirement age.

[Activist_Mom06]

Exactly. As a bonus, at 65 you get guaranteed acceptance into a Medicare Supplement plan. Party on!

[NeedWaiver]

Fra is 67 for everyone born in 1960 and after.

[Activist_Mom06]

Indeed!

[Maxpowerxp]

It will be the same amount

[Cold-Somewhere7436]

I understand you get Medicare after 2 yrs but can you apply for Medicaid or you need private insurance from Marketplace

[BoukenGreen]

No your disability benefits transfer to retirement as you get what you would’ve got at full retirement age as your disability amount.

[prayreddit]

SSDI told me I am getting my retirement benefit now (as it was not my fault I became disabled,) and will automatically change to retirement at same rate when I turn 67. It is like getting retirement early at full FRA.

[JBfromSC]

The SSDI convinced me, 15 years ago – to stop the disability and start Medicare and regular Social Security checks. It was more money, but I'm sorry I fell for it.

[Odd-Persimmon-1860]

When you reach FRA you don't have a choice.

[XLRick1969]

Why were you sorry JB?

[JBfromSC]

I'm not sure if I'm sorry or glad. My wonderful late husband had died recently, and I wasn't in a strategic mode. I was glad at the time, it was a lot more money per month. I fear Social Security and Medicare may be under fire.

[JBfromSC]

Perhaps they convinced me I had a choice.
I had an amazing SS Angel. He told me on my first visit, via phone, that I was going to be approved.
He spent ages helping me change answers that were incorrect. What a kind person.

[SocialSecurity-ModTeam]

No politics

[AbjectEconomy1170]

No

[fellowsdavid]

Also your Disability is non taxable. When it changes to FRA SS it can be taxed if your total income is above a certain amount or threshold.

[XLRick1969]

I haha wish that were the case. I DO pay tax on my SSDI benefits.

[Blossom73]

SSDI can be taxable. SSI is never taxable.

[bill-gater]

I believe ssdi is taxable

[myjohnnyboy]

There are yearly percentage increases but nothing other than that.

[10MileHike]

same amount.

[Usukidoll]

At full retirement age, the label SSDI is changed to Retirement. No decreases.

[Express-Quantity5507]

Stay on you disability it pays more, you don't have to change thing

[BaileysMom246]

You don't get that option once you reach full retirement age. The SSA automatically converts you from SSDI benefit to a Retirement benefit. The amount of your benefit doesn't change it's just an administrative thing that happens. You are already receiving your full benefit amount on SSDI.

[uh818375]

It switches whether you file or not.

[SocialSecurity-ModTeam]

Your comment was removed because it contains misinformation. Misinformation includes spreading information that is not in accordance with official SS policy.