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What Age Does Disability Change to Social Security?

Street sign pointing in two directions, one indicating work and the other indicating retirement.

Social Security Disability Insurance (SSDI) is a federal program that provides financial assistance to disabled individuals who are unable to work. SSDI begins after a claimant has submitted their application to the Social Security Administration (SSA) and their claim is approved. As long as a claimant remains disabled, they should continue receiving SSDI benefits until they reach full retirement age.

When Does Social Security Disability Convert to Regular Social Security Retirement Benefits?

For disabled individuals born before 1938, their SSDI benefits will stop and be replaced with Social Security retirement benefits at age 65. However, for those born between the years 1938 and 1960 or later, the retirement age goes up. For example, individuals born in 1990 can receive SSDI benefits until they turn 67 and begin to receive retirement benefits.

Individuals are entitled to Social Security retirement benefits after putting work credits into the Social Security System throughout their lifetime.

How Long Does SSDI Last?

There are several answers to the question, How long can you collect SSDI? If an SSDI beneficiary remains disabled without benefits lapsing for reasons unrelated to their condition, they should receive SSDI up until they reach retirement age.

However, benefits can lapse due to various circumstances. For example, your disabling condition improves, or you reach an earned income level that leaves you ineligible, etc. Claimants who do not continue to see their doctor and report their ongoing disability status to the SSA can also lose their Disability Insurance benefits.

Additionally, if a claimant returns to work, they must inform the SSA and provide information on the number of hours they put in, when they start, if they stop working, etc. They must also provide the SSA with regular updates, such as if hours or tasks have changed, if their pay has increased, and other information related to their job. Failing to do so could result in suspended SSDI benefits or penalties.

SSDI beneficiaries may also take part in a Trial Work period. This allows disabled individuals to “test” their ability to work and maintain a job without losing Social Security Disability payments. Once a beneficiary performs at least 9 months of applicable services (not necessarily consecutive) within a rolling 60-month period, they are no longer considered disabled.

SSDI beneficiaries may also lose their benefits if they serve jail time for more than 30 consecutive days. However, benefits can be reinstated the month following their release date.

What is the Age Limit for Social Security Disability?

Retirement age is the limit for receiving SSDI benefits. However, individuals who are 65 or older can apply for SSDI if they become disabled and are no longer able to work a full time job (assuming they have not yet applied for retirement benefits).

If an individual is currently on Supplemental Security Income (SSI), they may be able to receive both Social Security retirement benefits and SSI once they reach retirement age. Speaking to an experienced SSI attorney from Ortega Disability Group can help claimants better understand their options.

Contact Us at Ortega Disability Group

If you’re wondering how to apply for SSDI, protect your SSDI income, or asking, How long can you collect Social Security Disability benefits? Ortega Disability Group has the answers. Contact us today to schedule a free consultation with our team, and allow our qualified disability lawyers in Oakland, CA to help you protect your benefits.

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