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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal>Hi, I talked with John Peray from National and he has answered my questions , those that reached full retirement under disability benefits, have no choice but to be automatically switched over to retirement benefits. According to John Peray and our government, you have no choice. The good news is that under disability we had a limit as to how many hours we could work, now under retirement we can work as many hours as we want to. This will roll forward to those turning 66 or 67 etc. in the future years. Hope this helps some of you in Ct. Beth Rival <o:p></o:p></p></div></body></html>