1. Automatic Transition to Retirement Benefits

When you receive SSDI, your benefits will automatically convert to Social Security retirement benefits when you reach your full retirement age (FRA). For most people, FRA is between 66 and 67 years old, depending on your birth year. You don’t need to reapply or take any action — the Social Security Administration (SSA) handles the switch.

2. Benefit Amounts Stay the Same

The amount you receive each month generally stays the same when your SSDI converts to retirement benefits. That’s because your SSDI payment is already based on the amount you would receive if you were at full retirement age.

3. What Happens if You Take Early Retirement

If you choose to apply for Social Security retirement benefits before reaching full retirement age (as early as 62) instead of applying for SSDI, your monthly payment will be permanently reduced. That’s why, if you qualify for SSDI, it’s often financially better to apply for disability benefits rather than early retirement.

4. Medicare Coverage Remains

If you’ve been receiving SSDI for at least 24 months, you’re eligible for Medicare coverage — and this continues even after your benefits switch to retirement. Many Florida recipients keep their same Medicare coverage without disruption during the transition.

5. Working During Retirement

Once your SSDI changes to retirement benefits, the work restrictions tied to Substantial Gainful Activity (SGA) no longer apply. However, if you start receiving retirement benefits before your FRA, your income from work could still reduce your benefit amount due to the SSA’s retirement earnings test.

6. Planning for the Transition

While the transition from SSDI to retirement benefits is automatic, it’s important to review your financial plan, healthcare needs, and any changes in tax obligations. In Florida, where there is no state income tax, your Social Security benefits may not be taxed at the state level — but you may still owe federal taxes depending on your total income.