Will my SSDI benefits increase to match my FRA amount after approved at 63?
I started taking my Social Security retirement benefits early at 62 (last year) because I needed the income, even though I knew I was getting about 25% less than my full retirement amount. Now my health has gotten worse, and I just applied for SSDI at age 63. If I get approved for disability, will my monthly payment increase to what I would have received at my full retirement age (which is 67)? Or am I stuck with the reduced amount forever because I started collecting early? My reduced retirement benefit is $1,750 but at full retirement age it would have been around $2,400. I'm really confused about how this works and the SSA website isn't clear about my specific situation. Anyone gone through this before?
24 comments
Andre Rousseau
Yes, if you're approved for SSDI, your benefit will increase to your full Primary Insurance Amount (PIA), which is what you would have received at your full retirement age. The reduction for taking early retirement won't apply anymore. So you should get close to that $2,400 instead of your reduced $1,750. But be aware that SSDI applications can take a long time to process - sometimes over a year with appeals. And at 63, they'll look very carefully at your medical condition since you're close to retirement age.
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Carmen Vega
•Thank you so much! That's a relief to hear. Do you know if they would pay the difference between what I've been getting and the full amount retroactively from when I applied for SSDI?
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Zoe Stavros
my brother went threw this. he got the higher amount but took almost 2 years to get approved!! and yes they back paid him too
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Carmen Vega
•2 YEARS?? Oh no, I was hoping it would be faster. Did he have to keep appealing or did it just take a long time for the first decision?
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Zoe Stavros
•he got denied twice had to get a lawyer for the hearing. but he got all the money from when he first applied
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Jamal Harris
I've been through this exact situation. You need to understand how the disability freeze works. If approved for SSDI, SSA will "freeze" your early retirement reduction and recalculate your benefit at your PIA (Primary Insurance Amount) which is your full retirement age benefit amount. The technical term for this is "DIB after RIB" (Disability Insurance Benefits after Retirement Insurance Benefits). Your benefit will increase to your full PIA amount, and this higher payment continues even after you reach full retirement age. Keep in mind they'll evaluate if your disability began before you started collecting retirement, as this affects the retroactive payments. If your disability onset date is established before your early retirement application, you could get retroactive payments.
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Carmen Vega
•Thank you for explaining that! I've never heard of "DIB after RIB" before. My doctors have documentation that my condition started getting serious about 8 months before I applied for retirement, but I tried to keep working part-time until I just couldn't anymore. Will they consider that?
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Jamal Harris
•Yes, that medical documentation will be crucial for establishing your onset date. Make sure all your doctors' records are submitted with your application. The SSA will look at the date you became unable to perform substantial gainful activity (SGA), which is currently earnings over $1,470/month in 2025. If your part-time work was under that amount, it could help establish that you were already disabled before taking early retirement.
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GalaxyGlider
the ssa system is COMPLETELY BROKEN when it comes to disability!! i've been waiting 18 months and still nothing but denials even though i can barely walk. don't get your hopes up that this will be quick or easy!!
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Carmen Vega
•I'm sorry you're going through that. It sounds really frustrating. Did you get a lawyer to help with your case?
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GalaxyGlider
•yes i have a lawyer now for my hearing but the wait times are RIDICULOUS. and trying to talk to anyone at SSA is impossible - i've called dozens of times and either wait for hours or get disconnected!!
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Mei Wong
I actually just went through this same process and got approved last month. I was 64 when approved after applying at 63. The biggest hassle was trying to get updates from SSA about my application status. I spent hours on hold, getting disconnected, etc. I finally used Claimyr (claimyr.com) to get through to an actual person at SSA. They got me connected to a rep in under 10 minutes when I'd been trying for weeks. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU As for your question - yes, my benefit did increase to my full amount once approved! It went from $1,890 to $2,580 and they paid back the difference from my application date.
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Liam Sullivan
•does that service really work? i keep getting the 'all circuits are busy' message when i call ssa
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Mei Wong
•It worked for me! I was skeptical too but I was desperate after trying for weeks. Got through to someone who could actually explain what was happening with my application. Definitely worth it when you need answers.
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Amara Okafor
I think everyone is wrong here. SSI and SSDI are different programs. With SSI you get a standard amount but SSDI is based on what you paid in. So if you already took early retirement I don't think they change that. My cousin got disability but had to wait till 67 to get his full amount.
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Jamal Harris
•You're mixing up some concepts here. You're right that SSI and SSDI are different programs, but the original poster is asking about SSDI, not SSI. If someone takes early retirement first and then qualifies for SSDI, their benefit DOES increase to the PIA (full retirement age amount). This is clearly stated in SSA's own policies under the "disability freeze" provisions. Your cousin's situation was likely different in some way.
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Carmen Vega
Thank you all for the helpful information! I'm going to call my doctor tomorrow to make sure they have all my medical records ready to support my application. It sounds like I should also be prepared for a long wait and possibly denials. After reading all your comments, I'm considering getting a disability lawyer from the start instead of waiting for a denial. Has anyone done that?
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Mei Wong
•I didn't use a lawyer for my initial application, but had one ready for appeal if needed. Make sure you're VERY detailed about how your condition affects your daily activities and ability to work. That's where most people don't provide enough information. And remember, just having a diagnosis isn't enough - it's about how severely it limits you.
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GalaxyGlider
•GET A LAWYER FROM THE START! i wasted a year trying to do it myself. the system is designed to deny you!!
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Zoe Stavros
what medical condition do u have? my brother got approved for back problems but my friend with fibromyalga keeps getting denied
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Carmen Vega
•I have severe rheumatoid arthritis that's affected my hands, feet, and spine, plus some heart complications from the medications. Some days I can barely grip a coffee cup or walk to the mailbox. I've had three surgeries in the last year.
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Zoe Stavros
•that sounds serious, you should get approved. make sure u have all the medical records and test results. my friend didnt have enough proof and thats why she kept getting denied
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Jamal Harris
One more important point: if your SSDI is approved, when you reach full retirement age (67), your benefit won't convert back to reduced retirement benefits. You'll continue receiving the full PIA amount. This is a significant advantage of qualifying for SSDI after taking early retirement. Also, the 5-month waiting period for SSDI may not apply to you since you're already receiving retirement benefits, but this depends on your established onset date. Make sure you understand how all this affects Medicare eligibility too.
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Carmen Vega
•That's great to know! I already have Medicare Part A from turning 65, but I've been paying for Part B out of my reduced benefit. Would anything change with my Medicare if I get approved for SSDI?
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