Filing For Benefits

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.

Can I Still File A Restricted Application For Spousal Benefits Only?

I will turn 66 (my FRA) on April 3, 2017. My husband is 75 and collecting Social Security. I would like to "file and restrict my benefits to spousal benefits" and have my retirement benefit grow until age 70.
1) Am I correct (per your book "Get What's Yours") that I can do this under the 2015 grandfathering rule, i.e. no deeming of benefit, since I was 64 as of Jan 1 2016?

Was The Advice We Got About Filing Online Correct?

We sent our questions into "Ask Larry" on PBS, & did not receive any response. Now, we know why.

My wife, Cindy turns 66 on Aug. 11. I am 66. I turn 67 in July. I am already collecting SS on my own earning record. Cindy wants to start receiving restricted spousal SS benefits ASAP after she reaches full retirement age. Then, when she turns 70, she wants to switch to benefits based on her own record. Cindy wants to apply online.

How Do I Cancel My Online Application?

Greetings from Tokyo. I’m turning 70 on Aug 24, 2017, and recently began filling in the online application, per telephone guidance from the SSA service center. However, I seem to have begun the process too early (on Feb 6), as my partially completed, unsubmitted/unsigned online application is defaulting to start my benefits in June 2017, well before my 70th birthday, and with no way to choose an August or September start. This is not what I want as I had purposely delayed receiving benefits until age 70.

When Should I Apply In Order To Start My Benefits At Age 70?

I'll turn 70 March 20, 2017 (DOB March 20, 1947). If I want to maximize my benefit, what date should I meet with social security and when should I start my annuity?


You can start the application process any time now, and you'll probably want to do it sooner rather than later. It often takes a month or more to get an appointment with Social Security.

Do I Need To Do Anything To Start My Benefits?

I will turn 70 on March 20, 2017. I applied for benefits and suspended them in Fall 2015. They have sent me a letter, which I received in December 2015, stating that my entitlement date is May 2015 and and my benefit rate is $1883. The letter also states that they will reinstate my benefits at age 70. Later last fall, they sent me a letter stating that my benefit amount was increased by approximately $8 due to income figures from 2015. The result is a benefit rate of $1991. This letter has been misplaced by me.

Can We Visit A Different Social Security Office Than The One Closest To Us?

My husband is 66.5 and plans on filing this month for benefits. A recent letter from SS says you receive an 8% increase for each year you delay filing until age 70. Question: if he waits until his 67th birthday (9/16); will he receive the 8% increase? I called Social Security with this question, and they advised us to go to my local office where they'd be able to do the projection. They further said we MUST go to the local office determined by our zip code (which is in an area we don't feel is safe). Are you aware of any rule that supports that?


How Do I Switch From Spousal Benefits To Benefits On My Own Record?


What is the process to switch from receiving spousal benefits to filing for benefits under your own earnings record/social security number?

I've scoured many social security websites but can't seem to find a concise answer.



You'll need to file a separate application to start benefits on your own record. If your own benefit rate is higher than the spousal benefit, the spousal benefits will stop when your own benefits start.