Filing For Benefits

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?

I applied for social security benefits February 3 2019, to begin in May 2019. It is currently April 7 2019 . On My Social Security account it says my application is being processed. When should I receive a benefits letter? I have heard nothing from social security other than what I described. Thank You.

Hi,

Hello,

How do I delete an online application for social security benefits which I did not finish nor do I want to finish it? There was no option to delete the application online.

Hi,

As far as I know, you can't delete an online application that you've started. If you decide not to apply, just be sure NOT to electronically sign and submit your application. Your partial application will then remain in Social Security's database so that you can resume the application at a later date if you change your mind.

Best, Jerry

I just applied for SS benefits to start May 1. I'll be 66 in April. My wife is 66 1/2 and will file a restricted application and ask for only her spousal benefit. What should the exact timing be for her to apply for benefits. Even though I'm not yet receiving a benefit, can she apply now? Or should she wait until I'm "on the books" and receiving a benefit?
Thanks,

Hi,

I will retire Jul 1 2019.from a NYC agency. I become 65 5/22/19. My spouse has been retired and covered under my medical. We both will sign up for Medicare Part B. Will he be penalized for waiting until now that he is 69? His DOB 9/13/49. He collects SSA check since 2011 when he retired at 62. Do we apply online or in SSA office? When do I apply, since I retire 7/1/19?

Hi,