Benefits Highlights

Disability at Full Retirement Age

People who are receiving SSDI are automatically switched to Retirement at Full Retirement Age (FRA). Full retirement age (FRA) is the age at which unreduced retirement (old-age), spouse's, or widow(er)'s benefits may be paid.

• There is no impact on benefit amount.
• Once people reach FRA, there is no limit to what they may earn and receive all benefits.
• Often people don’t know the benefits received are Retirement Insurance Benefits, instead of SSDI.

This happens because the SSA actually considers the person’s SSDI benefit to be their full retirement taken early due to a disability. Once people reach Full Retirement Age, the SSA may pay them their full retirement benefit without worrying whether they have a disability. Remember that Full Retirement Age used to be age 65, but is increasing gradually to age 67.

• RS 00615.003 - Full Retirement Age
  
• RS 00615.004 - Attainment of Full Retirement Age
  

Terri Uttermohlen