Filing For Benefits

Thank you for the Maximize my Social Security software. We have been using it for several years and and also read your book. We really appreciate your work, thank you.
Question:
Wife took Social Security at 62 in 2018 (diagnosis of cancer but healthy now!)
I took restricted (born in 1951) at that time
I am now retiring and would like to take my own Social Security benefits. I prefer to do this online but I’m not certain of the procedure. Do you have any guidance on this?

I am currently receiving spousal benefits under a restricted application that I filed at age 66. Once I turn 70, I want to apply for my full retirement benefit and have my wife apply for a spousal benefit. Is it possible to do this online or on the phone or must we go in person to the Social Security office? By the way, I recently purchased Maxifi and love it!

Hi,

Hi Larry,

My DOB is 12/1/1958 so I will be 62 this year. What effective month should I use to get my benefits as early as possible?

Thanks.

Hi,

The earliest month that you can qualify for Social Security retirement benefits is the first month that you're age 62 for the full month. So, since you'll be 62 for the entire month of December, you could claim your retirement benefits as early as that month. Social Security pays benefits a month behind, though, so your benefit for December won't be paid to you until January.

My spouse turned 66 in April 2020.
A decision was made to wait until August 2020 to file for retirrment benefits.
Can one choose April 2020 as the set on datretirement date and will SS release the gunds from May, June, July and Augut 2020? Not sure how that works.
Thank you

Hi,

Hi Sir! I was "awarded" disability in 2006; my attorney and SSA never informed me of auxiliary benefits. I had a twelve year old at that time. I went from making nearly $2000.00 per week in 2002 to a failure in health and eventually receiving disability benefits in 2006. Although there were notations in both my medical records and my attorneys records of my child; I was never informed of auxiliary benefits I calculate the losses at almost $40,000.

My wife turns 70 on October 30. She has been collecting spousal based on my benefits (I’m 72). When should she submit an application to collect based on her own earnings? Thanks.

Hi,

My 66th birthday is this October (i.e. I reach my FRA 10/2020) and I plan on applying for benefits. I enrolled in Medicare A/B/D effective with my 65th birthday and have been making payments out of pocket.

As I understand it, I must have Medicare premiums withheld from Nov and Dec checks in order for the 'hold harmless' provision to apply this year. (Given recent covid events, I'd guess upcoming COLA will be minimal and Part B premium increase will be sizable.)

I am currently receiving spousal benefits from my wife, who filed when she was 66. She is now 67. I turn 70 in the beginning of May and want to claim my benefits and would want her to receive spousal benefits from mine. What needs to done? Is it able to be done on line? Thank you

Hi,

You may be able to file for your benefits online, but your wife would have to file for spousal benefits by calling Social Security. They can take applications by phone even if their offices remain closed to the public due to the coronavirus.

Hi Larry, or Team MMSC,

I have purchased, and already run dozens of retirement scenarios on your excellent MaxMySocSec software. I am so pleased to have found your software, and ancillary retirement strategy and filing information. I have also printed Form SSA-1-BK (03-2019) to manually prepare drafts as learning exercise, before completing the online application. Following is retirement scenario for my wife and I, our retirement plan, and then my questions: