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Social Security Disability: What Happens When You Turn 65?
One of the most common questions individuals receiving Social Security disability (SSD) benefits have is whether they switch to retirement benefits when they turn 65. The answer is that when an individual reaches full retirement age—often 65 but sometimes older, depending on the year of birth—these SSD benefits will be called retirement benefits instead. To the beneficiary of the benefits, nothing will change as a practical matter beyond the name for the payments and perhaps the technical source of funding. Most importantly, the payments themselves do not change….Read More
I’am 60 yrs old and on SSDI, my ex-husband is about to retire in March of next year. When would I be able to collect on his SS? We were married 27 years.
Patti,
If you aren’t currently married you will become eligible at age 62 to collect a spousal benefit from him, but only if your SSDI benefit is less than 50% of the benefit your ex-husband is entitled to at his full retirement age. Spouse benefits are computed using full retirement age (FRA) entitlement amounts, regardless of the age at which benefits are claimed. Your SSDI benefit is the same as your FRA amount so, when you are 62, if your SSDI benefit is less than half the benefit your ex-husband is entitled to at his FRA, then you would get the difference in addition to your SSDI benefit.
Russell Gloor
National Social Security Advisor
The AMAC Foundation
If I can collect part of my spouses retirement will this take away from his check and will he know about it
No, you collecting a benefit based on your spouse’s lifetime earnings record will be totally transparent to your spouse. You aren’t actually taking benefits from your spouse, rather you are receiving additional benefits based on your spouse’s lifetime earnings record and entitlement at their full retirement age. So, you claiming a spousal benefit will not affect your spouse’s entitlement in any way, and they will not be aware of it (unless you tell).
Russell Gloor
National Social Security Advisor
The AMAC Foundation
So grateful for this information. Just lifted my spirit. I can return to work. The professor is ready to teach.
I cannot believe i cannot inquire about something simple on the internet only to be over run by ads. and offers to chat. My congressman is probably on the take, but i am going to do what i can to get this invasion stopped. Class action seems a pos. Jeff Mills