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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
When Will My SSDI Convert To Standard Social Security?
I'm currently 56 and I'm collecting SSDI of $36k/year and workman's comp of $9,360/year. My Social Security retirement benefit is estimated at $27,276/year at my FRA. When does my SSDI convert to the standard SS? at 65? 66? or 67? Can I delay to 70 so I can maximize my benefit?
Hi. Social Security disability (SSDI) benefits automatically convert to regular Social Security retirement benefits when a recipient reaches full retirement age (FRA), and if you're 56 now then your FRA would be age 67. And, yes, you could voluntarily suspend your retirement benefits from FRA until age 70 to earn delayed retirement credits (DRC) (https://secure.ssa.gov/apps10/poms.nsf/lnx/0202409110).
Best, Jerry
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January 28, 2022