What happens when you turn 62 and are on disability?

What Happens When You Turn 62 and Are On Disability? If you are receiving SSDI when you turn 62, you do not have to take any action. Your SSDI benefits will continue exactly as they are until you reach full retirement age.


What happens to my disability benefits when I reach age 62?

The SSA is responsible for administering both SSDI and retirement benefits. If you are currently receiving SSDI benefits, your benefits will not stop once you reach retirement age. However, your SSDI benefits will automatically convert to retirement benefits.

At what age does Social Security disability switch to regular Social Security?

For most people receiving SSDI today, the full retirement age falls between 66 and 67 years old. If you were born in 1960 or later, your full retirement age is 67. This is when your disability benefits will convert to retirement benefits.


What are the disadvantages of Social Security disability?

Negatives of Getting Social Security Disability
  • Pros of Social Security Disability Benefits. ...
  • Proving Disability Can Be Challenging. ...
  • Lengthy Application Process. ...
  • High Rate of Initial Denials. ...
  • Limited Benefits Based on Past Earnings. ...
  • Ongoing Evaluations of Disability Status. ...
  • Restricted Ability to Continue Working.


What changes when you turn 62?

Age 62 is the earliest age to start collecting Social Security. But if you sign up for benefits then, you'll reduce them on a permanent basis. If you're turning 62 in 2026, it means your full retirement age for Social Security is 67.


Social Security Disability vs. Retirement at Age 62: What's Better?



What benefits do I get at age 62?

You can receive Social Security retirement benefits as early as age 62. However, we'll reduce your benefits if you start receiving them before your full retirement age. For example, if you turn age 62 in 2026, your benefit would be about 30% lower than it would be at your full retirement age of 67.

Do I need to notify Social Security when I turn 62?

If you were born in 1964 or later, for instance, filing at 62 could reduce your monthly payment by as much as 30 percent. AARP's Social Security Benefits Calculator can provide more details on how filing early affects benefits.

Is it better to retire or go on disability?

SSDI is often the better choice if you qualify, as it pays more per month than early retirement benefits. Early retirement might give you immediate access to funds, but the permanent reduction in benefits affects your long-term financial health.


What benefits can I get if I'm disabled?

If you have difficulty with everyday tasks or getting around

You might be able to get: Disability Living Allowance (DLA) if you're under 16 – check if you can get DLA. Personal Independence Payment (PIP) if you're 16 or over and haven't reached State Pension age – check if you can get PIP.

Does disability pay more than Social Security?

Payments received under SSDI are generally substantially higher than those received with SSI. SSDI benefits begin after six full months of disability. Recipients must wait six full months from the first full month after the date the SSA decides that the disability began.

At what age do they stop reviewing disability?

There is no set age at which reviews stop entirely, however, once you hit full retirement age, which varies but is usually between 66 and 67 for most, your SSDI benefits will automatically convert to retirement benefits, and those don't undergo continuing disability reviews.


What are the three ways you can lose your social security disability?

The termination of benefits in the Social Security disability program is based predominantly on four factors: conversion to the retirement program (that is, attainment of full retirement age), death, medical recovery, and work recovery.

What changes are coming to social security disability in 2025?

What Is the 2025 SSDI COLA Increase? Approximately 68 million Social Security recipients will see their monthly benefits increase by 2.5% starting in January 2025.

How much does a 62 year old get on social security disability?

Social Security Disability Insurance (SSDI) – The maximum payment is $4,152 a month (up from $4,018 in 2025). The maximum family benefit for SSDI is about 85% to 150% of the disabled worker's benefit. The maximum payment at full retirement age is $4,152 monthly. However, if you retire at age 62, your benefit is $2,962.


What can you not do while on disability?

Not Listening to Your DoctorYou must follow your doctor's orders if you want your SSDI claim to be successful. This can mean any number of things, such as taking prescribed medication, enacting dietary restrictions and lifestyle changes, and attending all therapy sessions that are scheduled for you.

At what age does disability cut off?

For many workers, Social Security Disability Insurance (SSDI) benefits will stop at age 67 (retirement age). However, this cut-off will vary based on an individual's birth year and other factors, including their possible recovery from a disabling condition.

What do people with disabilities get for free?

Supplemental Security Income is based on financial need. Overseen by Social Security, it's designed to help people who are elderly or have disabilities and little or no income. SSI pays for expenses like food, clothing, and shelter. Participants get monthly checks.


What are the four types of disability?

There are four main categories that define disabilities:
  • Behavioural or emotional.
  • Sensory impaired disorders.
  • Physical.
  • Developmental.


What is the maximum monthly disability benefit?

The SSDI payment chart shows the maximum monthly benefit for 2026 to be $4,152. Keep in mind that the amount a person receives in monthly SSDI benefits depends on their average indexed earnings during their working history.

What is the downside to being on disability?

The primary downside of going on disability is potential financial strain, as benefits typically do not match one's previous earnings. This reduction in income can impact lifestyle and long-term savings.


Does SSDI stop at age 62?

SSDI benefits convert to retirement benefits at full retirement age, not at age 62. Early retirement at age 62 reduces benefits to 70% of the full amount. SSDI eligibility requires inability to work for at least one year due to disability. A 3.2% COLA increase in 2025 will raise average disability benefits.

How do people on disability survive financially?

This might involve a small loan from a family member or moving in with a friend until you are more financially stable. Are there other forms of public assistance you qualify for that you can use while waiting for disability benefits? Many people make ends meet by using food stamps to help pay for groceries.

How far ahead of your 62nd birthday do you apply for Social Security?

The earliest you can apply for retirement benefits is four months before you want your benefits to start. If you want your benefits to start more than four months in the future, you need to apply for benefits at a later date. If you are already age 62, your benefits could start as early as this month.


Do I have to do anything when I turn 62?

You have choices to make

You can continue to work, apply for benefits, do both, or do neither. Each choice comes with important considerations for you and your family. Learn about them at www.ssa.gov/benefits/retirement/matrix.html.

What is the biggest mistake most people make regarding retirement?

The top ten financial mistakes most people make after retirement are:
  • 1) Not Changing Lifestyle After Retirement. ...
  • 2) Failing to Move to More Conservative Investments. ...
  • 3) Applying for Social Security Too Early. ...
  • 4) Spending Too Much Money Too Soon. ...
  • 5) Failure To Be Aware Of Frauds and Scams. ...
  • 6) Cashing Out Pension Too Soon.