File and Suspend

Can I File And Suspend My Benefits So That My Wife Can Draw Spousal Benefits?

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The more research we do the more confused we become on filing for SS. The financial advisers seem to be unclear or avoid the direct question I want to ask. But here goes. I am 66 and my wife is 65, can I still go to SS offices, file and suspend, and can my wife go the the SS offices and file for spousal benefits? She has worked all her life, but her benefits will be less than mine, so the plan is for me to wait until 70 so she can draw more social security benefits when I pass. Thank you for looking into the matter.

Why Can't I Get A Benefit Estimate Online If I've Filed And Suspended My Benefits?

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HI Larry,

I've filed and suspended so that my wife can claim spousal benefit when she turns 66 (Both of us plan to start taking benefits on turning 70.). Since filing and suspending the social security website no longer shows my estimated/projected benefit amounts. Is this normal? Does this even make sense or do they like to keep us in the dark and surprise us later?

Thanks!

Hi,

Should I File And Suspend When I Reach Full Retirement Age?

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I am 60 and receiving SSDI from my late husband's account. He was also on SSDI at the time of his death. Would it be worthwhile to file and suspend at my full retirement age of 66 and 4 months and wait until 70 so pick up the extra 32%? Does this even apply in my case?

Hi,

I'm not sure from your description exactly what type of benefits you currently receive, but I assume you mean that you are drawing widow's benefits, and that you are not receiving disability benefits based on your own account.

Will My Wife Lose Her Spousal Benefits When I Start Drawing At Age 70?

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In August 2015, at age 68 I did a file and suspend strategy for my SSA benefits, and my wife at age 66 suspended her SSA benefits and filed for Spousal SSA benefits under my account.
When I turn 70 (Sept. 2017), I will rescind "F&S" and file for getting my SSA benefits.
My question is -
Will my wife lose the Spousal SSA benefits she is currently receiving when I refile?
Or, is she still eligible to continue receiving Spousal SSA benefits until she turns 70?

Should I File And Suspend At Full Retirement Age?

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I am a single man who will reach full retirement age next month and I called SS Admin to find out how I file and suspend. The agent said that I did not need to file at all until I was ready to take benefits and that my account would accumulated Delayed Retirement Credits until age 70. SSA Agent also said that SS would not start my benefits until I apply. Is this all correct? Look forward to your answer. David

Hi David,

Was I Misinformed?

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File and Suspend. I am 63, my wife will be 65 in Jan, 2017. She is not a US citizen. She has a green card since 1974 when we got married. She has not worked enough to receive any SS benefit on her own. She was going to sign up for Medicare but we were told that she does not qualify for Medicare on her own. When I turn 65 and sign up for Medicare then she will qualify under mine.

Do I Need To Do Anything To Prevent Retroactive Benefits?

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In 2015, I filed and suspended. I was 68. My wife filed for spousal benefits in June, 2015. She was 66. I received a letter from the Social Security Administration stating that they will automatically reinstate my benefit at age 70 (Nov, 2016), adding the special credits to my benefit account. My question is: Will Social Security actually start my full benefits in Nov, 2016 automatically, without any retroactive payments? If not, what do i need to do? I do not want the retroactive payments.

Hi,