What happens to social security disability benefits after age 65

Written by elizabeth thompson
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What happens to social security disability benefits after age 65
Disability (disabled sign image by Warren Millar from Fotolia.com)

Social Security Disability benefits do not change when you reach retirement age.


When a person becomes disabled, at whatever age, and the Social Security Administration awards disability benefits, it is based on the income earned up to that point.

Planning Retirement

For a person not on SS Disability planning to receive full benefits, the age for retirement is based on year of birth using this chart from the SS Administration: 1943-1954: 66 1955: 66 and 2 months 1956: 66 and 4 months 1957: 66 and 6 months 1958: 66 and 8 months 1959: 66 and 10 months 1960 or later: 67

Disabled Persons

Those who were disabled prior to the year of retirement, using the chart provided, need do nothing to receive the benefits after retirement age. When you reach retirement age, the SSA will mail a letter with information.

According to SSA

The SSA no longer considers people disabled once they reach retirement age. Disabled people are now on Social Security because of age.

Bottom Line

Those on SS Disability at retirement age will continue to receive the same benefits but are no longer considered disabled by Social Security regarding monthly payments. Each year approximately a month prior to your birthday, the SSA mails a statement showing the amount received if on disability. If you are not yet retired, it will show the amount upon retirement. Then Social Security calculates your average indexed monthly earnings during the 35 years in which you earned the most. If you worked less than 35 years prior to disability, that will affect the amount received.

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