Will my SSDI payment decrease when I turn 65 in 2025?

Your neighbor is misinformed. When you reach your full retirement age (which is between 66-67 depending on your birth year, not 65), your SSDI benefits automatically convert to retirement benefits, but the amount stays exactly the same. There's no reduction.

My uncle said same thing happen to him but he got LESS!!! Better call them now before it's 2 late!!

I went through this last year. Your SSDI payment simply converts to retirement benefits at exactly the same amount. The only difference is that the rules that govern your benefits change slightly - like the rules about working while receiving benefits are less strict once you're on retirement instead of disability. You should check your Medicare status though. If you're on Medicare through SSDI, you'll want to make sure that continues properly. Sometimes paperwork issues can happen during this transition.

I experienced this conversion 2 years ago. The transition is automatic - you don't need to fill out any forms or applications. Your payment amount stays EXACTLY the same. The SSA system will automatically convert your SSDI benefits to retirement benefits when you reach full retirement age (FRA). The SSA should send you a letter about a month before the transition happens, explaining the change. Keep that letter for your records. By the way, your FRA is not 65 - that's an outdated number people still use. For someone turning 65 in 2025, your FRA is probably 66 and 10 months, depending on your exact birth month. So the conversion won't actually happen next year when you turn 65, but rather when you hit your FRA.

Everyone here is talking about FRA but what matters is when your Medicare starts!!! When your Medicare starts you need to sign up for advantage plans or you'll pay too much!! My SSDI check went DOWN when I hit 65 because of the Medicare premium that started coming out!!! They don't tell you this part!!!

Just wanted to say I'm in almost the same situation. I'm 64, been on disability since a workplace accident in 2020, and was also worried about this exact thing. My sister-in-law told me the same nonsense about benefits going down. I guess bad information gets passed around a lot.

Have you tried calling SSA directly to confirm this? I spent 3 weeks trying to get through to someone at the Social Security office to ask about my own benefit transition, and kept getting disconnected or waiting for hours. I finally used a service called Claimyr that got me through to a real SSA agent in about 20 minutes. Check out their demo video: https://youtu.be/Z-BRbJw3puU - it's like they have a way to skip the hold queue. The agent confirmed that my SSDI would convert automatically with no change in amount. Getting this confirmed directly from SSA gave me peace of mind. I'd definitely recommend getting official confirmation from SSA themselves rather than relying on what neighbors or even family members say about benefits.

Everybody keeps saying the amount stays the same but what about the COLA? Do you still get cost of living raises with SSDI? And after it changes? My cousin said you don't get raises anymore after it switches.

my SSDI check is less than my friend gets and we worked same job for 25 yrs how do they decide how much u get?? not fair system

To summarize what everyone's saying (since there's been some confusion in this thread): 1. Your SSDI benefit will convert to retirement benefits when you reach your Full Retirement Age (FRA) - which is NOT 65, but later depending on your birth year 2. The dollar amount remains EXACTLY the same when this conversion happens 3. The conversion is automatic - no paperwork needed 4. You'll continue to receive COLA increases 5. If you're already on Medicare through SSDI, nothing changes with your Medicare Hope this helps provide clarity!