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Will my Social Security benefits change when I turn 65?

The Social Security Administration (SSA) determines what can be deemed as the retirement age for different people. The retirement age that is assigned to you depends on the year that you were born: people who are born in 1937 or earlier are considered of a retirement age once they turn 65. However, for those born in 1938 or later, things get a little more complicated. There is a staggered definition of retirement age: being born in 1938 is 65 and 2 months, 1939 is 65 and 4 months, and so on. Therefore, you should be aware of when you will become of retirement age.

Before you do become of retirement age, it is important to be aware of the fact that your Social Security Disability (SSD) benefits are likely to change. There are two main things that become altered when you hit the age of retirement. First of all, you will not receive SSD payments any longer, but instead you will receive your benefits from the retirement program run by the SSA.

Secondly, once you hit retirement age, your SSD payments will not be subject to the amount you own through any job that you have. Therefore, you will be able to have a part-time job without this having implications on your SSD benefits.

You do not have to take any action in order for these changes to be made; the process will take place automatically. If you have any concerns about you SSD benefits and reaching retirement age, you should speak to a trusted legal advisor.

Source: Disability benefits center, "Disability benefits when turning 65," accessed Sep. 15, 2017

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