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:

Larry, I reach 70 in a few months and need to file for Social Security under my own record, having delayed my benefit to receive maximum DRCs. I am currently receiving spousal benefits only. I understood from a previous question that I can’t apply online, and must either apply in person or by phone. Do you have any information about how those of us who must call to apply are faring during the COVID-19 pandemic? Any words of advice on how to ensure this goes smoothly? Thanks for the great advice that is enabling us to increase our income in our later years.
Anne

My wife, born 12/3/50, filed for benefits at FRA. I turn 66 in Oct, 6 months from now and plan on filing when I reach FRA. From looking at the website, it appears she can not file for spousal benefits on line since she is already receiving her benefits. Is this correct? If so, why can’t we both use an on line application?

Hi,

My wife wants to switch from restricted benefits from my social security to her personal one. She is 69. How do we do it? There is no way on her account to do it because she says she is receiving benefits from me yet her contributions are on there. SS office is closed and I can't get person. On the phone.

Hi,

my ex wife filed for her early retirement on dec 5 2019,she turns 62 in feb 2020 she also filed on my ss retiremnt which is 2310 per mo for my full retirement at age 66. iI am now 76 ,we were married 11 years ,she has not remarried.The social security office determined an early retirement amount of 673 on her work record and an amount of 769 on my record. The office person said she would get a combined sum of 673 + 769 for a total of 1442 per month ibeleive this is incorrect, using your formulas I calculate closer to 815 per mo.

I will turn 70 in August. My wife will be 67 at that time. I want to make sure that I receive my full benefit for 70 and have no look back period applied. What special language should I use in the comments section to avoid any problems? Also, my wife will be applying as a faasf. What language should she use in the comments section to avoid receiving her own benefits. We are Maxifi members. Finally, when would be the best time to apply for both. Thanks, Mark

Hi Mark,