What Happens to My Benefits When I Reach Retirement Age?


When you reach retirement age, your Social Security Disability (SSD) benefits will typically convert to Social Security retirement benefits without any additional application required. The amount you receive may stay the same, although it could be recalculated based on your work history and earnings leading up to retirement age. Additionally, while there are set limits to how much income you can earn on disability benefits, those limits are lifted once you retire. You may be able to increase your monthly income by working a part-time job without jeopardizing your benefits.

The age at which you transition from SSD benefits to retirement benefits depends on your birth year. Full retirement age (FRA) is between 66 and 67 for most people; for people born in 1957, the FRA is 66 and six months, two months later for those born in 1958, and 10 months later for those born in 1960. Over the next several years, the FRA will rise to 67. Once you reach the FRA for your birth year, your SSD benefits automatically convert to retirement benefits at the same rate you received through SSD. If you decide to delay retirement beyond your full retirement age, your benefits could increase until you reach age 70.

However, it’s important to note that the specific rules and regulations regarding SSD and retirement benefits may vary depending on your circumstances and state laws. That’s why it is essential to consult with a local Social Security Disability lawyer for personalized guidance regarding your benefits.

What Does This Mean for Social Security Disability Benefits in Michigan?

If you live in Michigan, the process for transitioning from Social Security Disability (SSD) benefits to retirement benefits follows the same general guidelines: your SSD benefits will typically change to Social Security retirement benefits when you reach full retirement age.

Michigan residents would follow the federal guidelines set by the Social Security Administration (SSA) for this transition. There are no state-specific rules regarding this process; it’s governed by federal law. However, if you have specific questions about your benefits or need assistance with the transition process, you can contact an SSA office serving Michigan residents or speak with an experienced Michigan disability attorney. They can provide personalized guidance based on your individual circumstances and help ensure a smooth transition from SSD to retirement benefits.

Speak with Michigan’s Leading Social Security Disability Attorneys for Free

As you near retirement age as an SSD beneficiary, you can rest assured that your benefits are likely not going anywhere, and no additional action or application is required. However, the skilled SSD attorneys at Disability Attorneys of Michigan are here to answer all your questions and ensure that you receive the benefits you earned and deserve.

Contact us today by submitting a form below or calling our office at 800-949-2900 for a free consultation.


I will never forget you and the hard work you did to secure my Social Security Disability benefits. Thank you!

- Christine C.