Hi Larry: I understand you can file retroactively but there have been watch outs posted about the SS Administration retroing the applicant for 6 months costing them benefits.
In my case I would like to apply for age 70 benefits retro to September in late December. I am currently on my wife's record; I filed a restricted application previously and am presently taking spousal benefits. She will be filing for spousal benefits (retroactively the same time I file).

Larry, I am turning 66 in June, My wife is 63 and already claiming Social Security. I did my research and went into the local social security office to file a restricted application for my wifes spousal benefits only, so I will continue to earn Delayed Retirement Credits. The agent I talked too did not seem familiar with restricted applications and said I needed to file for spousal benefits based on my wifes record.

My wife & I are almost the same age - now 69. In February of 2018 we both turn 70. In 2014, my wife did a File & Suspend procedure and then I filed for a restricted spousal benefit. Thank you for your software which alerted us to this strategy. So later this year, when I file for benefits in my own name and my wife unsuspends her benefits to begin in February 2018, can we do this process online, or must we go in person to the Social Security Office? Are there any gotchas or pitfalls we should look out for?

Hi,

i'm turning 66yrs old in April 2017 and starting to get my full SS benefits in May. My husband born in 1950 (66yrs old) and he suspended his SS benefits to age 70, he wants to file for 1/2 of my SS benefits. Can he file online ? and if so - what form should he use?.
sincerely
TBZ

Hi TBZ,

which form do i use and where can i find it for:
applying for 50% of my wife SS income
I suspended my SS till age 70 (i'm now 67) . my wife is at full retirement age and starts receiving her SS in early may.
Thank you

Hi,

Hi Larry:
I filed a restricted application and am collecting on my wife's record. She claimed at age 62; I am planning on waiting until age 70.
I will turn 70 on September 14, 2018. At that time the plan is for my wife (who will be 67) to begin taking her spousal benefit, which will be substantially more than her own benefit.

I will turn 66 (my FRA) on April 3, 2017. My husband is 75 and collecting Social Security. I would like to "file and restrict my benefits to spousal benefits" and have my retirement benefit grow until age 70.
1) Am I correct (per your book "Get What's Yours") that I can do this under the 2015 grandfathering rule, i.e. no deeming of benefit, since I was 64 as of Jan 1 2016?

We sent our questions into "Ask Larry" on PBS, & did not receive any response. Now, we know why.

My wife, Cindy turns 66 on Aug. 11. I am 66. I turn 67 in July. I am already collecting SS on my own earning record. Cindy wants to start receiving restricted spousal SS benefits ASAP after she reaches full retirement age. Then, when she turns 70, she wants to switch to benefits based on her own record. Cindy wants to apply online.

Greetings from Tokyo. I’m turning 70 on Aug 24, 2017, and recently began filling in the online application, per telephone guidance from the SSA service center. However, I seem to have begun the process too early (on Feb 6), as my partially completed, unsubmitted/unsigned online application is defaulting to start my benefits in June 2017, well before my 70th birthday, and with no way to choose an August or September start. This is not what I want as I had purposely delayed receiving benefits until age 70.

I'll turn 70 March 20, 2017 (DOB March 20, 1947). If I want to maximize my benefit, what date should I meet with social security and when should I start my annuity?

Hi,

You can start the application process any time now, and you'll probably want to do it sooner rather than later. It often takes a month or more to get an appointment with Social Security.