Ask Larry

Filing For Benefits

How Can I Get My Application Filed?

I have been trying to get my social security retirement benefits for 4 weeks 4 weeks I have been lying to on the phone I on the phone I've been sent the wrong passcodes to try to get in the Internet now I'm completely locked out and I can only can do it via phone which they tell me somebody will call me and nobody has it's been a month and I have gotten nowhere

Sunday, January 16, 2022 - 07:41

Can My Wife Apply For Spousal Benefits If My First Benefit Payment Is Pending?

This is regarding Spousal benefit application
I got approved for my benefit from Jan 2022. I will get 1st check in the 4th week of Feb 2022.
My wife got approved, prior to me, for her benefit from Feb 2022 and will receive her 1st check in the 3rd week of Mar 2022). This is based on her earnings record.
Based on my rough calculations, she may be able to get more thru spousal benefit because of my higher PIA/FRA.

Wednesday, January 12, 2022 - 17:22

When Should I Apply In Order To Make Sure That Social Security Uses My 2021 Earnings?

I had to quit working the end of 2021 (although not due to official disability) and need to apply for Social Security benefits in 2022. I will be applying 2.5 years before full retirement age. In order to make sure SS will know and will count my work earnings/contributions from 2021 (a higher-earning year) in figuring my benefits, what month should I apply? I have received conflicting information from SS.

Monday, January 10, 2022 - 13:04

Do You Think My Online Application Will Go Through?

I am currently receiving survivors benefits and want to start my own benefit Jan 2022. I called the SS office in my area and was told I could file online, even though I am currently receiving my late wife's survivor benefit. I was skeptical, but went online and was surprised that the website did indeed allow me to file my application. Do you think it will go through? Has anyone else in these circumstances done this? Did SS come through for them?

Wednesday, October 6, 2021 - 08:40

Can I Apply Online To Switch From Spousal Benefits To Drawing My Own Benefits?

Hi Larry,
My DOB: 4/29/52. My wife's DOB: 5/10/49.
We were fortunate to sneak under the wire regarding changes made by the Bipartisan Budget Act of 2015 which allowed us to be grandfathered in and to pursue the claiming strategy I describe below.
At age 66 my wife "filed and suspended" on her RIB in order to establish a filing date and to earn DRCs on her earnings When she turned 70 she started receiving her maximum benefit.

Monday, September 27, 2021 - 20:30
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