Filing For Benefits

If I Receive Spousal Benefits For The Month I Turn 66 Will I Be Deemed To Have Also Filed For My Own Benefits?

In the receipt for my claim for spousal benefits, I state in the remarks that the application is restricted to spousal benefits so that I can earn delayed retirement credits on my own record. (I was born before 1954 so am eligible to file restricted application for spousal benefits and later switch to benefits on my own record.)

Am I Qualified To File Now?

I will be 66 on september 2018, and today is April 2018 i am qualified to file retirement now. thanks


The soonest that you can apply is 4 months prior to the month that you want to claim benefits. So, assuming that you mean you want to claim benefits starting with your full retirement age (FRA) the earliest that you could apply is May 2018 unless you happen to have been born on September 1st. In that case, your FRA for Social Security benefits would be August, and you could then file this month (i.e. April).

Do You Really Trust The Online Process?

My husband is 67 and one month and he is ready to file for his SS benefits. He retired from a university after 30 years. He receives a pension from that University. He went to work at Home Depot as a part-time specialist for the last 11 years. The university and HD paid into social security. He filed for medicare before turning 65 as required. What would be the best scenario to apply for his benefits, go to the office or file online? There are no special circumstances for us that I am aware of. I am his wife of almost 44 years and I just turned 65 in Jan. 2018.

How Do I Get My Deceased Wife's Social Security?

I am almost 64 years old. My wife died at 72 years old ( 12/23/16) She was collecting SSC
I am looking at a layoff from the company I work for. So I believe now will be a good time to retire.
How do I get her SSC?
Is it best to get hers before I start mine.
I am fortunate to have good savings and will not have to count on my SSC check,
Early retirement health insurance? Please comment on that.

Hi Terry,

I'm sorry for your loss.

Which Month(s) Should My Husband And I Choose To Start Benefits?

I will be 66 on June 28, 2018. My husband will be 66 on July 14, 2018.

1. I want to make sure that I get my full retirement age benefit, so
I need to know how to answer the question on my application
regarding when to begin my own benefit, June or July?

2. We understand that I must be receiving my full benefit in order
for my husband to apply for his spousal benefit, so when my husband
applies for his spousal benefit, how should he answer the question
on his application regarding which month to begin his spousal benefit?