Filing For Benefits

Will I Need To File Separately For Spousal Benefits?

I will be filing for Social Security at FRA for January 2018, husband filing at FRA for April 2018. I understand when I file, I will be deemed to have also applied for spousal benefits, but have to fill out an application to establish such. Do I need to wait until April to file for spousal benefits or am I able to file ahead of time when I file for my husband's SS for April? Also, is there a specific SS application for the spousal benefits? My benefit will be around $800, husband's around $2400. Thanks for your help.

Hi,

How Can I Change My Month To Start Benefits?

I just read an answer you gave to someone who had just applied for social security benefits and then realized he wanted to change the start date to a month earlier. You told him he could do that by calling the SS office. However, he's still a couple of months out from the date he wants to change to. I want to do the same, but it is August 6, 2017 today, and I want to bump up my start date for actually receiving benefits from October to September. I did not realize when I originally signed up for September that the benefits won't start coming until October.

When Should I File My Application?

I am a "Maximize" purchaser. I will turn 66 on September 9th this year and plan on applying for my Spousal Benefit. My wife (68) is already collecting her SS. My question is, when would be a "safe" date for me to apply? I know that I can apply (up to 4 months?) early, but I don't want Social Security to start it before I turn 66, thus reducing my payments.

Thank you,
Bert

Hi Bert,

Are There Any Pitfalls When Filing A Restricted Application?

Are there any pitfalls when filing a restricted application for SS. I will be filing on-line in about a year from now and I was wondering if the process for filing a restricted application is fairly transparent. I am concerned that the process could be a gotcha and my benefits will start full retirement and not for spousal benefits when I'm 66

Hi,

Unfortunately, Social Security doesn't allow non-applicants to view the online applications. As a result I can't give you much specific help with regard to the online application process.

Should I Worry About An Online Application That I Started But Never Submitted?

When I turned 62 I set up an account online with SS so I could monitor my monthly increases while I waited to reach my "Full Retirement" age of 66. At the same time I filled out an application for benefits but I never filed it. I just let it sit in the server until it expired after 3 months. I got concerned, after reading your book, that SS may use that to set my benefits at my age 62 level instead of my full retirement level at 66. The difference between the two age levels is substantial and I don't want to loose money.