Ask Larry

Filing For Benefits

How Much Time In Advance Should I Contact Social Security To Switch To My Own Benefits?

Hi Larry,
I was born Sept 8,1952 and I am currently collecting spousal social security benefits. When I log into my account online I don't see anywhere that it confirms I am collecting spousal social security. I know I will want to switch over to my own social security when I turn 70 so I can get my maximum benefit. How much time in advance should I contact social security to make the change. Also how can I find out what my benefit will be at 70. I don't see any information about this online. Can you please direct me to where I can find this information. Thank you, Deb

Friday, May 7, 2021 - 11:13

Why Am I Not Allowed To Apply Online For Divorced Spousal Benefits?

WHY, OH I not allowed to apply online for spousal benefits from my ex-husband's social security which is a far higher dollar amount than mine? My birthday is January,1955. I set a telephone appointment up in February 2021for April from a Soc. Sec. office near where I work. I received a confirmation letter for the telephone appt. and also a telephone call confirming the appt. the day before my "supposed" telephone appt.. I never received the call and ended up having to call Soc. Sec. where in which I was told, "the telephone appt.

Saturday, April 24, 2021 - 09:43

Is It True That I Can Only Apply For My Benefits At My Local Office?

I filed a restricted application for a spousal benefit only back in 2017 when I turned FRA 66. I filed at my local social security office. I have been receiving 50% of my spouses social security amount. I am turning 70 and I have been told on the social security national 800 # that since I filed the spousal at the local office I can only file on my own record at 70 at the local office & cannot file on the national 800 #. Is that true & why is that? Thank You

Saturday, April 17, 2021 - 10:31

Can I Apply For Spousal Benefits At The Same Time That My Spouse Applies?

Born before Jan 2, 1954. Have not applied for my SS benefit yet.
When my spouse applies for SS benefit, can I apply at the same time as Restricted application for my benefit and claim spousal benefit on my spouses's benefit record. Or, I have to wait for my Restricted application until my spouse's benefit gets approved.


Wednesday, April 7, 2021 - 18:17

When Should My Husband Apply In Order To Make Sure He Receives The Last Year's 8% Increase?

My husband turns 70 in a few months. He has been collecting half of my benefit while his benefit increases 8% each year until age 70. When does the 8% increase amount reflect on his personal benefit each year? When should he apply in order to be sure that he receives the last year's 8% increase? A few months before his birthday or after?

Monday, February 22, 2021 - 15:20
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