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This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.
If I have been on physical disability for 30 years collecting SS, how can I determine what my SS will be once I reach 62?
Hi Julia,
It depends what type of disablity you are collecting. If you are collecting Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI).
If you are receiving SSI and qualify for a Social Security benefit on your own work record, even though you didn’t qualify for SSDI at the time you became disabled, you will have to apply for your Social Security benefit at age 62, or you would lose your SSI benefit. If your own reduced Social Security benefit is lower than the amount you receive on SSI, Social Security will offset that amount with SSI.
If you are on SSDI, you don’t have to do anything at age 62, your SSDI benefit will automatically convert to your regular retirement benefit when you reach your full retirement age (FRA) with no change to the amount you are receiving.
Please contact me if you have further questions.
Sharon L Kleczka
AMAC Foundation SS Advisor