Q What happens if I become disabled before I reach retirement age?
You are not yet eligible for Social Security retirement benefits; however, if you have worked long enough to qualify for Social Security disability benefits, then you may be able to recover such benefits if you qualify. In 2016, more than 8.8 million people received disability benefits from the Social Security Administration.
Your Eligibility Is Not Automatic
Instead, you must apply for Social Security disability benefits. If your disability has lasted or will last for at least one year, your condition makes it impossible to do your job or another job, and you have worked at least five of the last ten years, then you may qualify for Social Security Disability Insurance (SSDI) benefits. The average benefit ranges from $1,100 to $1,200 per month.
What Happens When You Reach Retirement Age?
When you reach the age of full retirement, as defined by the Social Security Administration, then your benefits will be converted from disability benefits to retirement benefits. The age of full retirement depends on the year in which you were born. If you were born in 1937 or earlier, then your full retirement age is 65. If you were born in 1960 or later, then your age of full retirement is 67. People born between 1937 and 1960 have full retirement dates between the ages of 65 and 67.
You should not have to take any action to have your Social Security disability benefits converted to Social Security retirement benefits, and you should continue to receive monthly payments without interruption.
However, you will have to take action to get your initial Social Security disability benefits. If you believe that you qualify for such benefits, then you will need to complete a Social Security disability application and you will need to have it approved. This can be a difficult and frustrating process, but you do not need to do it on your own. Instead, an experienced disability lawyer can help you through the application process and can help you get the benefits that you deserve. For more information, please download a free copy of our book, Unlocking the Mystery: The Essential Guide for Navigating the Social Security Disability Claims Process.