Ask Larry

Filing For Benefits

Has Social Security Created An Online Mechanism To Allow People Who Already Receive Their Own Benefits To Claim Spousal Benefits?

Larry in your April 11, 2021 Forbes article "Switch” From Social Security Retirement Benefits To Spousal Benefits" you mentioned back then that people can't apply for spousal benefits online if they're already drawing their own retirement benefits. The situation that is described by "Ken" in the article is exactly our situation. We are stumped on how to modify my wife's current benefit to include the additional spousal benefits. Has SSA included an online mechanism to handle this scenario? Thank you for any insight.

Friday, November 18, 2022 - 15:22

How Soon Can I Sign Up?

I'm waiting to apply for my social security until 67 years and 2 months ( which will be February 28, 2023) to receive an extra $200.00 on the month. How soon can I sign up to receive this benefit? I've been told 4 months before this date. Is this true?
Also, can I sign up without my employer knowing ? I want to work until the end of April 2023 to stay within the amount I am allowed to make.

Wednesday, November 16, 2022 - 16:12

What Do We Need To Do To Prepare For Our Phone Appointment?

My husband and I were both born in 1953. I began collecting retirement benefits when I turned 66, and he began collecting spousal benefits. We want to reverse that in 2023 when we both turn 70. After spending lots of time on and on hold with the toll-free number, we went in to our local office. We were told that our only option is a telephone appointment in six weeks. We were also told that we cannot go to a different Social Security office that might be offering in-person appointments.

Tuesday, November 15, 2022 - 12:58

Can I Apply Online For My Spousal Benefit?

I am receiving benefits on my own Social Security account and my husband is receiving benefits on his own account. We both filed for our benefits online. I believe my spousal benefit on my husband's account will exceed the amount I receive on my own. Having previously filed online for my own benefit, can I now also file online to apply for my spousal benefit or is there a different application process for that? I am 68, my husband is 70, I began claiming on my account 9/2021, he began claiming on his own account the month he turned 70, 7/2022.

Friday, November 4, 2022 - 13:40

When Should I Apply For My Benefits?

Hi Larry. When should I apply for SS? I’m waiting until Age70. I will be 70 years old on Aug8 2024 and am single. Also, you’ve recommended to write SSA to officially decline retroactive lump sum payments; what SS office do I write to, local or federal, or can I do so online? Thanks for a great column, so helpful.

Thursday, October 20, 2022 - 18:29

Will My Wife Automatically Switch To Spouse's Benefits When I File For My Benefits?

We have not filed yet. Plan on filing online. My wife reaches FRA in December and I reach 70 in January. We want her to file in December, then switch to 50% of mine in January once I file. Few related questions: (1) Will the switch happen automatically once I file in January. (2) Does she have to manually update her filing in January once I file (if yes, can this be done online). (3) Can she let them know when she files in December that she wants to switch to 50% of mine when I file. Thanks. I am a subscriber to your service.

Wednesday, October 5, 2022 - 18:11

Will I Lose Benefits If I Don't Complete The Application I Started In March 2022?

I turned 71 in Aug 2022 and have submitted my application for social security benefits because I continued to work and had employer health insurance. I separated from the company in March of 2022. zi started my online application on March 17 2022 but didn't complete it. The online application told me I would lose benefits if I didn't complete it by September 18. What diez that mean. Also, zi am stuck prior to submitting my application as to when I want to start receiving benefits.

Thursday, September 15, 2022 - 13:10

Can I Start A New Application If I Allow The Previous Application I Started To Lapse?

I started an online application on March 12, 2022. It states I must complete it by September 12, 2022. It states I must start receiving benefits by December 2022. I don’t want to start drawing benefits until March 2023. If I let this application lapse can I start a new application and still receive full benefits or am I penalized?

Sunday, August 28, 2022 - 12:02
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