Filing Options

Which Option Is Best?

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I just turned 70 and applied on line based on my own earnings record. My husband filed in October 2016 at age 70 and is still working. SS contacted me and explained 3 options: 1) file on my record at age 70, receive $3473 monthly; 2) file on my record at age 70, receive $3473, plus 6 months spousal benefit of $8,000+; or 3) receive reduced benefit of $3368 based on age 691/2 retroactive filing age and lump sum spousal benefit of $23, 084.

When Should I File My Application?

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Larry,
My wife is 69 and is collecting her SS. I will be 66 this July. I am still working full time and will continue to work until at least 68. I plan to file a restricted application for spousal benefits only as discussed in your book. Should I wait until my 66th birthday before I file the restricted application for my spousal benefits? I do not want SS to deem that I am filing for my SS benefits.

Hi,

Can I Receive Spousal Benefits?

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Social security personnel have given me conflicting answers, in person and on phone. My husband who turned 65, march, of 2017, will start receiving his S.S. retirement benefits in May of this year, 2017. I will turn 65 on June 29 of 2017. My retirement benefits at 65 will be $300.00 a month, as I have never been an employee of my husbands business and only worked part time prior to this. I would like to defer my s.s. benefits and receive i believe it is 45.8%of my husband at the beginning of birthday month of June 2017.

Can I Suspend My Retirement Benefits And Get Spousal Benefits Instead?

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I turned 63 in dec 2016, I filed to start recieving my own SS benifits when I turned 62, My husband just turned 69 in February and he started his benifits at 66. My ? is can I go back and suspend my benefits and collect spousal instead,the amount is very close to what I now get, and let my benefits acrue till I am 70 or is it too late. I just became aware that being born in 1953 I could have filed that way originally. Hope its not too late to change my mind. Thank You

Hi,

Have My Wife And I Been Underpaid?

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My wife and I are 77 and 78, respectively. We believe we have been underpaid for over 12 years. We both individually qualify for SS benefits. This is all historical and I have everything (?) in an Excel spreadsheet that I would be more than willing to share with you or one of your associates. In 2002, my wife filed and began receiving reduced benefits on her account. Her full retirement benefits would have been available in October 2005 (65+6 mos). I did not apply for any benefits on her account or mine until my full retirement date which was August 2004.

Which Month Should I Choose To Start Benefits?

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I turned 66 in March 2017. When I was filling out the on-line application, I was asked if to start benefit on 3/1/2017. Do I make the application effective March or April?

Hi,

If you want benefits to begin effective with your full retirement age you should choose March, unless you happen to have been born on March 1st, in which case you would choose February.

You may want to consider running the maximization software available on this website first, though. You may have better filing options available to you.

Best, Jerry