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What happens to SSD benefits when you retire? Part - I

If you find the rules and regulations for the Social Security Administration's many programs to be confusing, you're not alone. Hundreds, if not thousands, of people ask questions ranging from how to apply to how to appeal. If you have found yourself asking a question about your federal benefits and are looking for an answer, then you've come to the right place.

On our blog, we like to not only address our readers' concerns about their benefits but we like to answer their questions as well. The question we're posing in this post's title is one of many questions we're frequently asked and is one we'd like to address today.

Everyone knows that there is a chance they may become injured or come down with an illness that can leave them disabled for the rest of their life. For those who have visited our site before, you know that when this happens, a person can apply for Social Security Disability Insurance, which is a benefit that is paid out by the government over the course of a beneficiary's lifetime.

Everyone also knows that as you get older, you also become eligible for retirement benefits. Unlike SSD, you have to be at least 62 years old before you can start collecting SSA retirement benefits. Although people can become disabled as they near retirement age, a person can become disabled at any age, requiring them to collect SSD for a number of decades before they can collect retirement benefits.

If you're one of those people, you may also wonder what happens to your disability benefits when you reach retirement age. If you're like a lot of people across New Jersey and the nation, you might be worried that your benefits will disappear or even decrease. But we'd like to calm these fears right now by saying this doesn't happen.

When a person reaches their retirement age, SSD benefits will convert to retirement benefits. The amount you receive now will remain the same except funds will no longer come from the disability trust but rather the general social security fund.

If you're an avid follower of what is happening to Social Security, then you probably know that the Administration made changes to the conversion of benefits from disability to retirement benefits. Next week, we'd like to discuss how this change might affect our readers, especially those who are interested in maximizing their benefits.

Source: The Social Security Administration, "What You Need To Know When You Get Social Security Disability Benefits," Accessed April 20, 2015

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  • Phone: 973-200-6629
  • Toll Free: 877-892-0197
  • Phone: 609-207-7905