Do Social Security Disability Benefits Change At Retirement Age

Jun 25, 2011 No Comments by

Question: Do Social Security disability benefits change at retirement age?

Answer: Yes, but not so that you’re likely to  notice.

When you get to early retirement age (62), nothing at all happens. When you get to full retirement age, currently 66, you are automatically changed (meaning there’s nothing you need to do) from receiving disability benefits to receiving retirement benefits but the amount paid stays the same. If you looked very closely at your check, if you receive a check instead of a direct deposit, you’d notice some different codes on it. You’d see “RSI” on it somewhere. “RSI” stands for the “Retirement and Survivors Insurance” trust fund out of which your benefits are paid after getting to full retirement age. There is a separate disability trust fund.

The only situation I can imagine where the amount of benefits would change upon achieving full retirement age would be if your disability benefits had been reduced due to a workers compensation offset. That offset would end once you were switched over to retirement benefits. That would be an unusual situation.

By the way, the answer I’m giving you is better than the answer at Social Security’s own website. They didn’t think of the workers compensation issue!

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About the author

Charles Hall is the lead attorney for the Charles Hall Law Firm in Raleigh, NC. He has been practicing in the Social Security Disability law field since 1979, is published, and is ready to help new clients win their benefits in North Carolina.