This article makes a good point about how complicated financial planning can be for disability beneficiaries and their families. It is a worthwhile read. One interesting thing I took note of: even though disability benefits convert to retirement benefits at full retirement age, a person can still delay taking retirement benefits until age 70, This can result in a very substantial increase in benefits for the disabled worker and his or her spouse. This is the sort of financial decision that warrants expert advice from an accountant or financial planner. If you are disabled and approaching full retirement age, it makes sense to explore this issue in detail.