We have run the possible scenarios through the Maximize My Social Security application. My wife will be 65 in March 2018 and I will be 66 in September 2018. The best scenario presented was for her to file now and me to file and suspend in September and apply for Spousal benefits. Some questions concerning the process:
Can I file/suspend and apply for spousal benefits at the same time this September or should they be done separately? We intend to complete all applications online (per your recommendation).
Filing For Benefits
My wife and I are grandfathered under the previous Social Security law. Following the advice of your Get What's Yours book and software, my wife filed and suspended in April 2016 shortly after she reached her full retirement age and will begin claiming her benefits on reaching age 70. I reach my FRA in April 2018 and am trying to determine when I should file the restricted application for my spousal benefit.
My wife will turn 67 on May 21st this year and plans to take her social security. I plan to take my spousal benefits at the same time. I will be 67 on June 3rd. and will let my full benefits accrue until age 70.. We are unsure of the timing . Do we need to file 3 months before her birthday and also can I file at the same time she does ( 3 months before my birthday) or does she need to be getting her checks before I can do so. Are there any deadlines we have to watch out for?
Larry, I will turn 70 on February 1, 2018 and I purchased the "Maximize my Social Security analysis. The collection strategy recommended that I file in Jan 2018 for my retirement benefits.
I started the application process on line and stated in the "Remarks" section that I do not want retroactive benefits but I want my benefit to commence on Feb 1, 2018. Do I have the wording correct or should ask I request to receive my benefit on March 1, 2018?
I filed and suspended my Social Security benefits until 70 at age 66 before the April 2016 deadline. My wife will be eligible for spousal benefits the coming April. When should we start the process? In addition, it is my understanding she should request spousal benefits only, and not file for her own Social Security benefits until age 70--correct? Last, can she stay on spousal benefits of it is greater than her own at age 70?
I filed for SS at FRA starting in January 2018, filed for husband at FRA starting in April 2018. I would like to file for spousal benefits starting in April 2018. Just read that I have to go to a local office to apply & of course you have to call the national office to set up an appointment...55 minute wait to talk to someone & then wait for local office to call you back. Any other thoughts? Guess I was misinformed that I could just apply online for the spousal benefits after my husband filed. This is where I read the bad news. Thanks for your thoughts.
I am 80 years old and drawing Social Security and SSI, my wife just passed away (we had been separated 18 yrs., never divorced). I would like to know which application I am supposed to fill out in order to draw her Social Security in stead of mine.
I'm sorry for your loss.
The paper application form for widow(er) benefits is an SSA-10, but paper applications are almost never used by Social Security these days. You can file for widower benefits by calling Social Security at 1-800-772-1213, or by visiting a Social Security office.
Hi larry, i bought the max SS program...went online to social security and bam!
it refused my basic info...said i had to contact them...so after an hour
i got someone who said did you freeze equifax, transunion and experian ..i said yes...
so i went back and unfroze them..no easy feat...experian menu is broken...it goes in a loop and transunion someone from outside and i had to repeat myself 3 times..etc...so after $10+
I'm in 2 yrs. to reach my SS FRA (66) this 3/4/18 planning to SS retire at age 66. Is it wise to plan ahead now or applied/suspend my benefits?
Do you have a book I can order to answer the Ins and Outs (Tips & Tricks) of the Social Security system.