Ask Larry

Filing For Benefits

Should Social Security Automatically Increase My Wife's Benefit Amount?

4 years ago my wife began her retirement benefits at age 62. For the past 4 years I have been receiving a spousal benefit. I recently applied and was approved verbally over the phone for my own retirement benefits to start in December. I read somewhere that when you apply and give the marriage info (which they already have from when she applied) they should automatically inform her of her entitlement and increase her benefit accordingly. Have you ever heard of that being the case or must my wife call Social Security to apply for the excess spousal benefit?

Saturday, September 4, 2021 - 13:13

Can My Wife Apply For Her Own Benefits Online?

My wife at age 66 (her FRA) filed a "restricted spousal only" application in 2018. That process went very well and she has been receiving 1/2 of my PIA since that filing. She turns 70 in 2022 and we want to file then for her own full benefit which will be more than 1/2 of my PIA. Does she need to file at a Social Security office or can that be done online via the SSA site. What info will be needed and if at the SSA office does she need an appointment. Thank you in advance

Friday, September 3, 2021 - 13:05

Do I Need To Set Up A New Online Account To Apply For My Own Benefits?

I have been receiving spousal benefits and just turned 70. I want my own benefit and understand that I need to file a new application for benefits - I cannot just make a change in my account and I cannot find anything in my current account online to make a new application. Do I have to set up an entirely new account online to do this? I really don't want to do it by phone or in person.

Friday, August 27, 2021 - 13:02

Is It Correct That Social Security Considers You To Become Age 70 In The Month Of Your Birthday?

Dear Larry; I am waiting until I turn 70 to claim my maximum social security retirement benefit. I will turn 70 on 12/16/2021. As I understand your answer to another claimant, I should file my claim no earlier than December 2021 in order to make sure I get the full benefit rate for a 70 year old claimant. Do I have to wait until after my birthday on 12/16/2021? Or can I file on any day after December 1? As I understood your response to a previous claimant, Social Security considers you to become 70 in the month of your birthday, correct?

Monday, August 23, 2021 - 12:09

Will I Need To Reapply When I'm Age 70?

Larry- I will be 70 in March of 2021. Will then be changing from spousal to my own. Expect to get about $3400.00 per month. My wife (born July 1954) started hers at 62. On her own acct. she gets $1221.00. When I'm 70 will I have to reapply for my own? The other question is on her. When I'm 70 and she is 67-68 would it be better for her to switch to spousal till she is 70 and can she? Reading where she may not be old enough to do it and if so would it be practical since she started at 62? Thanks for your help.

Saturday, August 21, 2021 - 08:19

Can I Apply As Early As August Or September If I Want To Claim Benefits Effective With December?

I am waiting until I turn 70 to collect SS Retirement benefits. I turn 70 December 26, 2021. I understand I can apply up to 4 months before I want benefits to start. Does that mean I can apply as early as August or September? Also do I indicate that I want my benefits to begin in the month I turn 70 (December) to get the maximum amount and expect my first payment to begin in January 2021 as SS pays one month in arrears?

Monday, August 2, 2021 - 13:32

How Do I Apply?

I am a widow and planning on taking my SS at 62 . I would like to take survivor benefit at full retirement age 6710 months. My husband was higher earner and started his at his full retirement age 66 (5 months before he passed) Still makes me cry . Not sure how to apply. I was told by SS they do not take restricted applications anymore. I am worried about losing Survivor Benefit at full retirement age. Also should I wait until Congress /Biden gets there act together. I heard they were going to make changes to Survivors Benefits .Thanks Mary

Sunday, July 18, 2021 - 10:00
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