Ask Larry

Filing For Benefits

How Do My Wife And I Go About Filing For Benefits?

My wife will be retiring in April 2021 and is planning to file for SS (she will be 65). I plan to file for restrictive application at the same time so I can let my account continue ( I just turned 67) till 70. I was born in 1953 so I am eligible for that. Does the SS office have to fill out those papers or can I do that on line? If so what is the form #? Also since I have not taken my SS yet isn't the amount suppose to go up by 8% each year that you delay? I just looked at the statement and it showed that it increased by $24 dollars.?!


Wednesday, December 2, 2020 - 09:09

What Should I Do About Applying For Benefits?

I am American, 70 in January. I am in Paris separated from my (French) husband, but not legally for now. I have to apply for my SS retirement (it's barely 3 months in advance) but I will be relocating to the United States. I'm letting my carte de sejour to stay expire. I already have my U.S. address and will be living there. I would have left by now but making arrangements for my things etc. with current coronavirus restrictions is proving difficult - I can't go back/forth as I thought I could and need to apply now but am told not to go through the U.S.

Saturday, November 21, 2020 - 16:08

Can I Claim Retroactive Benefits And Delay My First Payment Until Next Year?

My wife is 66 and 9 mos. She is filing for her retirement based on her age of 66 and 3 mos in order to get 6 months' retroactive payment. I am filing a restricted application for a spousal benefit at the same time. We sent protective filing statements to our local field office via certified mail on 10/31/20 so that we could file later than Oct. Is it possible to file for 6 months' retroactive payment going back to 4/20, and receive payment in 2021?

Saturday, November 14, 2020 - 09:25

What Do I Need To Do To Switch From Spousal Benefits To My Own Benefits At Age 70?

Hi Larry,
I have a question:
I'm currently collecting spousal benefits, and I'd like to switch to my own social security record when I reach 70 years-old on 03/20/2021. Can you please let me know what I have to do?
Thank you very much for your help.

Hi David,

You'll need to file an application for Social Security retirement benefits, and you'll want to choose March 2021 as the month to start your own benefits. That's the payment that comes in April, by the way.

Monday, November 9, 2020 - 08:04

What Do I Do?

i have been separated for 33 years (not legally). i understand that i can still collect a portion of my husbands social security. He is military retired and his social security payment is more than mine. i still work part time. what do i do? Do I go into a social security office?


Thursday, October 29, 2020 - 12:34

Should I Be Worried?

I applied on line for my normal retirement benefits three months prior (July) to my full retirement month (October). Benefits would commence in November. However, when I check my Social Security account on line, it still shows my claim as processing in the initial stage - after almost four months from the application date. Shortly after applying I received a call from Social Security and was asked a few questions and was told everything was fine on my claim. I’ve since called Social Security back twice and was assured everything was ok.

Saturday, October 24, 2020 - 15:16

Would Social Security Contact Me For More Information After I Submit My Online Disability Claim?

Due to COVID I can only apply for social security disability using on-line form. It does not appear that the on-line form allows adding additional page to the remarks section. I have seen a lot of doctors about 12 regarding my illnesses and would quickly run out out of allotted space on this on-line form. Would Social Security contact me after I submit the application to obtain the additional doctor's names?

Wednesday, October 21, 2020 - 08:09

When Should I Apply?

Is payment benefit calculated on when you apply or when you receive your first payment? My birthdate is 6/9/1954. I'd like to receive my first payment in January 2021 at the increased rate for waiting 6 months past FRA. When should I apply? Thank you so much!


Monday, October 19, 2020 - 17:10
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