On what exact date
do I apply for Social Security Retirement Benefits
to make sure I maximize my Social Security Retirement Benefits
(Primary Insurance Amount)
at/after age 70?

My date of birth is in Oct. 1950.

I am currently delaying benefits and need to know the exact date to apply to maximize benefits and where this answer is in writing...

Larry, turning 69 half in Nov, applying for SS benefits to start Jan 2020 so first check feb, What do i put on the ss application to ensure i get all the DRC on that first check vs the 2 year delay thank you

Hi,

As long as you specify January 2020 as your month of election to start your Social Security retirement benefits you'll be credited with all of the delayed retirement credits (DRC) you'll earn through December 2019. By the way, Social Security pays benefits behind a month, so your payment for January won't be due until February.

What is the meaning of SS saying if you are 70 and you start an online application for benefits, if you don't finish it by a certain date in November you can lose your ability to claim your SS?

Hi,

I've been collecting half my ex-husbands SS since 66. DO I have to re-apply for my own benefits? I am about to turn 70 and have tried to contact SS multiple times with no success. When I try to re-apply online they tell me I am already receiving benefits. when I call and finally get someone they tell me they will send me a letter soon (never comes).

Thanks

Hi,

My husband turned 66 last July and I (his wife) turned 66 last June. We want to take advantage of the restricted application. Once one of us applies for their full retirement benefits, how long do we have to wait until the other spouse applies for their spousal benefit? Do we have to wait until one of us is actually receiving their full retirement benefits? Or can we apply for full and spousal benefits at the same time online?
Thank you.

Hi,

I'm filling in the SS application. I'm 65 now and will be 66 in 3 months. I don't want the SS to start until I'm 66 to take advantage at tha5t age. How do I answer the "reduced benefits" question?

Hi,

I'm not sure what question you're referring to, but if you're filing online and you want your benefits to start effective with the month you reach age 66 you can simply specify that month as your month of election to begin benefits.

Best, Jerry

Yes my name is Jessica I'm from Central SC but am living in woodruff sc my whole life ive been getting social security and my mom was over it . I got locked up and then they stopped it... The whole reason I was getting social security was because I can't work because I have bad seizures about 2 and a halF years ago I've not been able to take care of my self and can't get a job because of my seiures I filled out the application for social security and been waiting for some time now and I really need my SSI disability can someone please help me

Hi Jessica,

I turn 66 Dec 2nd 2019 and qualify for a spousal benefit since I was born Dec 2nd 1953..I understand my wife born Jan 2nd 1956 must file before me. Its Sept 16th 2019 now. How soon must my wife apply for her SS before I turn FRA Dec 2nd 2019? Can she suspend her SS after I file for a Restricted application one i get my spousal benefit? We are 65 and 63 years old now and both still working. Problem is we will have a tax issue unless my wife retires soon after she files. Thanks for your help!

Hi,

I am 66. I was born in 1953. I started to draw spousal benefits this summer, and intend to draw my own increased benefit at the age of 70, as I know I am allowed. I find it somewhat disconcerting that some people I spoke with in the SS administration did not seem well versed in this soon to disappear strategy. None of the paperwork I received during the application process explicitly mentioned my right to refile at age 70. Additionally, the SS website which formerly listed my future benefit at age 70 no longer lists that amount, which bothers me more than anything.

How do I make sure I get all my DRCs at age 70 and restrict retroactive benefits if I have to apply by phone or at my local SS office? I have been taking my spousal benefits only since my full retirement age (born in 1950), applying online as you recommended. I intended to apply for my own benefits online 3 months before turning 70, knowing that I could include a statement restricting retroactive benefits and print my application for proof.