Filing For Benefits

What Is The Best Way For My Wife And I To File Our Applications?

My wife and I would like to apply for social security at the same time. She will be 66 next month, and I will be 68. She will apply for half of mine, and I will apply for my own. Can this be done online, or would you recommend we go into a social security office since we're both applying the same day.

Thanks, Wally

Hi Wally,

If your wife will be applying for spousal benefits on your record, it would probably be better to file in person if you're planning to file on the same day.

Do I Need To Do Anything To Start Getting My Retirement Benefits At Age 70?

My wife filed for her SS at age 62, taking a reduced benefit. I am 4 years older, and at the same time she applied, I also filed and "suspended" my own SS, but filed for spousal benefits on my wifes SS. I turn 70 in August this year (2017) and want to claim my own SS benefits. Do I have to do something, or will SS automatically shift me over to full benefits for me?


Do We Need To Do Anything To Prevent Receiving Retroactive Benefits?

Re: Retroactivity automatically applied to benefit applications filed after FRA unless claimant expressly rejects or restricts it (obtain in writing, signed & dated copy of application) - Does this automatic retroactivity apply to all who initiate retirement benefit applications ? Does the claimant have to state a basis for rejecting or restricting this automatic retroactivity ? Is there anything else to be done to insure we get our full benefit (with only Medicare premiums & tax withholdings) deducted ? thank you for your kind assistance in this matter

Do You Have Any Advice For Filing Retroactively?

Hi Larry: I understand you can file retroactively but there have been watch outs posted about the SS Administration retroing the applicant for 6 months costing them benefits.
In my case I would like to apply for age 70 benefits retro to September in late December. I am currently on my wife's record; I filed a restricted application previously and am presently taking spousal benefits. She will be filing for spousal benefits (retroactively the same time I file).

Do I Need To Be Concerned?

Larry, I am turning 66 in June, My wife is 63 and already claiming Social Security. I did my research and went into the local social security office to file a restricted application for my wifes spousal benefits only, so I will continue to earn Delayed Retirement Credits. The agent I talked too did not seem familiar with restricted applications and said I needed to file for spousal benefits based on my wifes record.

What Do My Wife And I Need To Do When We Turn 70?

My wife & I are almost the same age - now 69. In February of 2018 we both turn 70. In 2014, my wife did a File & Suspend procedure and then I filed for a restricted spousal benefit. Thank you for your software which alerted us to this strategy. So later this year, when I file for benefits in my own name and my wife unsuspends her benefits to begin in February 2018, can we do this process online, or must we go in person to the Social Security Office? Are there any gotchas or pitfalls we should look out for?


When Should I File My Application In Order To Claim Benefits At Age 70?

Hi Larry:
I filed a restricted application and am collecting on my wife's record. She claimed at age 62; I am planning on waiting until age 70.
I will turn 70 on September 14, 2018. At that time the plan is for my wife (who will be 67) to begin taking her spousal benefit, which will be substantially more than her own benefit.