HI Larry,

I've filed and suspended so that my wife can claim spousal benefit when she turns 66 (Both of us plan to start taking benefits on turning 70.). Since filing and suspending the social security website no longer shows my estimated/projected benefit amounts. Is this normal? Does this even make sense or do they like to keep us in the dark and surprise us later?

Thanks!

Hi,

I have read the answers to the question "Should I file and suspend?" for inquirers of FRA and the consistent response seems to be there is no advantage to doing that. However, I thought I had read somewhere recently that a benefit to filing and suspending at FRA is that if I should need to file later in the year, I can get the full back benefits and not just the six months.

I am 60 and receiving SSDI from my late husband's account. He was also on SSDI at the time of his death. Would it be worthwhile to file and suspend at my full retirement age of 66 and 4 months and wait until 70 so pick up the extra 32%? Does this even apply in my case?

Hi,

I'm not sure from your description exactly what type of benefits you currently receive, but I assume you mean that you are drawing widow's benefits, and that you are not receiving disability benefits based on your own account.

In August 2015, at age 68 I did a file and suspend strategy for my SSA benefits, and my wife at age 66 suspended her SSA benefits and filed for Spousal SSA benefits under my account.
When I turn 70 (Sept. 2017), I will rescind "F&S" and file for getting my SSA benefits.
My question is -
Will my wife lose the Spousal SSA benefits she is currently receiving when I refile?
Or, is she still eligible to continue receiving Spousal SSA benefits until she turns 70?

If my husband dies, can I suspend my social security, draw his until I turn 70, and then redraw mine?

Hi,

I am a single man who will reach full retirement age next month and I called SS Admin to find out how I file and suspend. The agent said that I did not need to file at all until I was ready to take benefits and that my account would accumulated Delayed Retirement Credits until age 70. SSA Agent also said that SS would not start my benefits until I apply. Is this all correct? Look forward to your answer. David

Hi David,

File and Suspend. I am 63, my wife will be 65 in Jan, 2017. She is not a US citizen. She has a green card since 1974 when we got married. She has not worked enough to receive any SS benefit on her own. She was going to sign up for Medicare but we were told that she does not qualify for Medicare on her own. When I turn 65 and sign up for Medicare then she will qualify under mine.

In 2015, I filed and suspended. I was 68. My wife filed for spousal benefits in June, 2015. She was 66. I received a letter from the Social Security Administration stating that they will automatically reinstate my benefit at age 70 (Nov, 2016), adding the special credits to my benefit account. My question is: Will Social Security actually start my full benefits in Nov, 2016 automatically, without any retroactive payments? If not, what do i need to do? I do not want the retroactive payments.

Hi,

I will be 68 in 10 days.. will File and suspend help me at age 70. I was on ssd at age 55 at age 67 than it was change to retirement.

Hi,

Larry,
After reading your book, GET WHAT'S YOURS, I filed for SS and suspended. My wife filed on my SS and began receiving half my benefits.

She turned 70 last December and began receiving her own full benefits. However, the File and Suspend payments continued to arrive. I turned 70 the end of March and began to receive full SS payments. Upon opening my bank statement today, I found that the File and Suspend payments continue to be automatically deposited despite the fact that we are now both receiving full SS payments.