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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.
If I Return To Work And Stop Collecting SSDI Can I Delay My Retirement Benefits Until Age 70?
I am 58, and I have been collecting SSDI since 50. My full retirement age is 67. If I go back to work and stop collecting SSDI, am I eligible to delay my social security retirement benefits to age 70?
Hi,
Yes. If your Social Security disability (SSDI) benefit entitlement is terminated prior to your full retirement age (FRA), you would be free to file for your Social Security retirement benefits whenever you wish.
However, even if your SSDI doesn't terminate and converts to regular Social Security retirement benefits at FRA, you could voluntarily suspend your benefits at that point in order to earn delayed retirement credits (DRC). If you voluntarily suspended your benefits for the full 3 years between your FRA of age 67 and age 70, your benefit rate would then be 24% higher when your payments resume at age 70.
Best, Jerry
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Posted:
May 9, 2020