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HiI'm Anne & I've been preparing taxes for 28 years. I'm reviewing your question now, and will post back with your reply momentarily.
The disability benefits will automatically roll over to the SS retirement benefits, but at the same $ amount, so you should be able to wait until you reach full retirement age, which for most people is 66. You may check your exact full retirement age here: https://www.ssa.gov/planners/retire/retirechart.html
If I were you though, I would get ahold of your local SSA office, or call them at 1-***-***-****, and see if there's a way for you to receive more $.
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