Ask Larry

Can I Suspend My SS And Still Get Benefits For My Daughter?

Can I file and suspend my SS in May 2019 and still get benefits for my daughter(11/17/2001)
who will be in High School until may 2020?

Hi,

No. If you voluntarily suspend your benefits any time after April 29 2016, no benefits can be paid to any beneficiaries on your record other than divorced spouses (https://www.ssa.gov/planners/retire/suspendfaq.html). You would have to actually be drawing your benefits in order for your daughter to be paid child benefits on your record.

You may want to strongly consider using our maximization software to explore the options available to you. For example, you may want to at least consider whether or not it would be worth drawing your benefits for the limited period of time that your daughter could be eligible for benefits, and then voluntarily suspend them after her benefits end. Our software will allow you to compare your options so that you can determine which strategy would likely be best in your case.

Best, Jerry

Posted: 
Oct 3 2018 - 7:22am
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