When will my disability become my regular Social Security?

Dear Rusty: I hope you can answer this question. I’m currently receiving Social Security Disability benefits, and I will be turning 65 in February 2026. I’m confused as to how Social Security Disability transitions to regular Social Security, and when. I assume it’s age 65 but maybe it’s my retirement date? Also, does the amount remain the same or will it change? I’m not working. I’ve been on SSDI for about 15 years. Thank you. Signed: Disabled Senior 

Dear Disabled Senior: If you are collecting Social Security Disability Insurance benefits, those SSDI benefits will automatically convert to become your regular Social Security retirement benefit when you reach your SS full retirement age which, in your case, is age 67. For information, FRA today is somewhere between age 66 and 67, depending on your year of birth, and the full retirement age for everyone born in 1960 or later is age 67.

The change from SSDI to your regular Social Security benefit will be transparent to you because your monthly benefit amount will remain the same. SSDI benefits were originally awarded to you based upon your full retirement age entitlement when you applied for SSDI (even though you hadn’t yet reached your FRA when you went on SSDI). Thus, the monthly benefit amount will not change because it is based on your lifetime earnings record, from before you became disabled.

FYI, although age 65 was once Social Security’s “retirement age,” full retirement age for Social Security today is based on the year you were born. So, your SSDI benefit will automatically switch to become your regular Social Security retirement benefit as soon as you reach age 67. Essentially, the only thing that will change is the Social Security Trust Fund from which your benefits will be paid.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association. NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us at ssadvisor@amacfoundation.org.

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The 2.4-million-member Association of Mature American Citizens is a vibrant, vital senior advocacy organization that takes its marching orders from its members. AMAC Action is a non-profit, non-partisan organization representing the membership in our nation’s capital and in local Congressional Districts throughout the country. And the AMAC Foundation (AmacFoundation.org) is the Association’s non-profit organization, dedicated to supporting and educating America’s Seniors. Together, we act and speak on the Association members’ behalf, protecting their interests and offering a practical insight on how to best solve the problems they face today. Live long and make a difference by joining us today at amac.us/join-amac.