Filing For Benefits

The typical Social Security award letter has either of the two following similar statements in it: "The benefits described in this letter is the only one you can receive from Social Security" or "This benefit is the only benefit you can receive from us at this time." However, in the case of a restricted application the applicant has what is called a "dual entitlement." Can you share with us the award notice language that a restricted applicant receives?

I will be turning 66 in September and plan to go go to the SSA Office and apply for retirement benefits and then suspend my benefits until I reach age 70. I've read your book on "Get What's Yours" and you talk about to be sure you state what you want in the remarks section. If I state in the remarks to suspend my benefits until age 70, do I need to account for the 6-month retroactive pay? I don't want to wait until 70 and because of not being clear, it is identified that I want my benefits to start at age 69.5. What should be stated in the remarks section?

My wife will be retiring 11/30 this year at age 65 and will begin to draw social security benefits on 1/1/20. I fall into the grandfathered age group and can claim a restricted application on spousal benefits. My question is this, when should I apply for those benefits? Do I need to wait until my wife has actually received her first check or is anytime after she has applied for her social security benefits okay. Thank you.

Hi,

if I filed for benefits on Friday 6/7 and want to change my benefit start date can I do it. the papers I was given seem to say changes can be made within 10 days. would this apply . what are my options?

Hi,

Hi Larry, I will be turning 66 at the beginning of August and plan on filing for retirement coverage shortly, to commence in August. We have 2 kids under 18, so I will also be filing for child benefits for them, also to start in August. After reading all the horror stories in your excellent book about filing over the phone or even at the local SSA office, I was planning to file online for my benefits. However, I saw that child benefits cannot be applied for online, so should I apply for all 3 of us in person at the local SSA office so they get processed as a group?

Hi Larry, I purchased your program last year and haven’t done a thing with it. I went to the social security office and became very confused and disappointed because I was told totally different from what I read in your book. I am 61 soon to be 62 in August. I thought I was going to get a job but no such luck. My current monthly income is $1300 my expenses $3500. Very sad to say I’m sinking fast. I was told by Social Security personnel I would be entitled to $1800 from husbands benefits.

I'll turn 70 on September 16, 2019; my wife is 65 as of April 14, 1954. When should I file for benefits? June 2019 or July 2019? Should my wife file for Spousal benefits on April 2020 (she makes about $12K). I have enough credits for benefits. Thank you Larry...
P.S. I have your "How to Maximize your Social Security" book but I believe I'm misreading it.

Hi,

As a past customer of "Maximize my Social Security", we followed the advice with my wife filing for spousal benefits and delaying her taking of her full benefit until age 70. She is now approaching age 70, can she file for her full benefit on line?

Hi,

My wife and I were both born in 1953. She will be 66 (full retirement age) in July and I in August.

Our plan is for her to file for her retirement benefit effective when she is 66, and for me to file a restricted application for a spousal benefit starting the following month, when I turn 66.

I have an appt with SSA to file for benefits on April 29, 2019. I will be 70 on August 5, 2019, and don't want to my benefits to start until I am 70. Will I be filing too early if I do it on April 29?
Also I am subject to WEP so it is more complicated than most. I am going to buy your software so I am informed when I go in for my appt. If the numbers your software give me are different than the numbers they give me as to my benefit amount, how do I resolve this?