Will SSDI convert to reduced retirement benefits when I reach FRA at 67?

Good news - your benefits will NOT be reduced when you reach full retirement age. When you transition from SSDI to retirement benefits at your FRA, you'll receive the same amount you were getting on disability. The reduction in benefits only applies to people who choose to take EARLY retirement benefits (before their FRA). Since you're already receiving SSDI, you'll simply be switched to retirement benefits automatically at your full retirement age, but the payment amount stays the same.

This is one of those CRAZY confusing Social Security things that they never explain properly! When I hit my FRA last year after being on disability for 10 years, my payment stayed EXACTLY the same - just the name of the benefit changed from SSDI to retirement. Don't worry about it at all! You'll be fine and won't see any reduction.

Social Security rules can be really confusing! I think whoever told you that was mixing up two different situations. If you take early retirement benefits (before FRA), those are reduced. But disability benefits are always paid at your full benefit amount regardless of age. So when you convert to retirement at FRA, there's no reduction. Your payment just continues as is.

My sister had disability then switched to retirement and she says the monthly amount was the EXACT SAME!!! Don't worry about it.

The person at your doctor's office is confused. Here's what actually happens: SSDI is calculated based on your full retirement age benefit amount (PIA - Primary Insurance Amount) regardless of what age you begin receiving it. When you reach FRA, your benefit automatically converts from disability to retirement, but the amount remains unchanged. This is different from taking early retirement benefits, which ARE reduced for early claiming. So your $2,100 monthly payment will continue unchanged when you reach 67 and 2 months. The only difference is that certain SSDI rules no longer apply (like medical reviews).

have u checked my social security account online? it should tell u exactly what will happen and what ur payment will be

I had SO much trouble getting through to SSA to ask about my disability-to-retirement transition last year. After days of busy signals and disconnected calls, I finally used a service called Claimyr that got me connected to a real person at SSA in under 20 minutes. They have a demo video at https://youtu.be/Z-BRbJw3puU that shows how it works. The agent confirmed exactly what others are saying here - my SSDI payment stayed the same amount when it converted to retirement benefits at my FRA. Might be worth calling SSA directly just for peace of mind.

WAIT!!!! I just remembered something important! While your benefit amount won't change at FRA, if you're getting Medicare with your SSDI and have it deducted from your check, you should double-check that it continues to be deducted correctly after the switch. When mine converted, they somehow messed up my Medicare premium deduction for 2 months. Just something to watch for!

One additional note: When your benefits convert from SSDI to retirement at FRA, any restrictions on working that apply to SSDI recipients will no longer apply. Once you're receiving retirement benefits, you can work and earn as much as you want without affecting your benefits. This won't change your benefit amount, but it does give you more flexibility if you're able to work part-time.