I am on disability. I turn 65 in Dec. I think i switch over to social security then. I am so far in debt from trying to live on disability and paying high insurance rates for supplemental and before medicare high deductible. As much as my drs dont want me to work and its gping to be hard, i take lots of pain meds. i have to get my debt down. When it switches over can i work? I have a student loan to that is deferred right now. It might open when it changes to social security, unfortunately.

Hi,

Your disability benefits won't convert to regular retirement benefits until you reach full retirement age, which is age 66 in your case. Starting then you could earn any amount without affecting your Social Security benefits.

Even while you're still receiving disability benefits, though, you are allowed to have some earnings without affecting your benefits. Generally, you can earn up to $1,170 per month without losing your disability benefits. For more detailed information on working while receiving disability benefits, refer to this Social Security publication: https://www.ssa.gov/pubs/EN-05-10095.pdf.

Best, Jerry