I've been disabled for quite a while and am receiving SSDI benefits; I'm not near the 'official' retirement age of 67 but I understand that upon reaching that age my disability benefits will become retirement benefits. Would they increase based on (what little) work I've done while disabled, stay the same, diminish or ? If they're to remain the same, the advantage I see is that my earnings would no longer be limited to being under the SGA amount, roughly $1100 for 2014. IF I were to find a job (that I could perform.. not probable, perhaps, as I'm being phased out of my current position and don't intend to seek another similar one, s'much too stressful for me..). So perhaps it's a (very) moot point, here. Thanks...
No real advantage to switching. Stick with disability to retirement age.
The information you obtain from this website is not legal advice.
I don't know if you have done this already, but you might want to go online and set up a My Social Security Account. It's seems very secure and it might help you be more precise with your calculations as you come up with a strategy. I wish you the best.
When you receive SSDI, you are receiving your retirement benefits early. The benefit will automatically transfer to a retirement benefit at your retirement age. What is in your favor is all the years you have not worked while on SSDI do not account against you in determining the amount of your retirement benefit.
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