My husband, the higher earner, will be at FRA during 2/18. I will be 62 during the same month. He intends to file a restricted application and obtain his spousal benefit as soon as possible after I collect my reduced benefit at 62. I plan to apply for my benefits during 11/17, to commence 2/18.
My Wife (68 in Oct) filed and suspended before the deadline.
I will be turning 66 in October.. When and how do I file for restricted "spousal benefits?"
Can I file this Online?
Hi,
My husband is 73 and does not want to file for Social Security benefits, and I don't know why. Is it possible for me to file for the benefits in his behalf or for myself?
Hi,
I will be filing for Social Security at FRA for January 2018, husband filing at FRA for April 2018. I understand when I file, I will be deemed to have also applied for spousal benefits, but have to fill out an application to establish such. Do I need to wait until April to file for spousal benefits or am I able to file ahead of time when I file for my husband's SS for April? Also, is there a specific SS application for the spousal benefits? My benefit will be around $800, husband's around $2400. Thanks for your help.
Hi,
I just read an answer you gave to someone who had just applied for social security benefits and then realized he wanted to change the start date to a month earlier. You told him he could do that by calling the SS office. However, he's still a couple of months out from the date he wants to change to. I want to do the same, but it is August 6, 2017 today, and I want to bump up my start date for actually receiving benefits from October to September. I did not realize when I originally signed up for September that the benefits won't start coming until October.
BACKSTORY: Husband reached FRA Nov 29 2015--filed and suspended benefits. Wife will reach FRA Nov 2 2017--intends to file a restricted application for spousal benefits.
QUESTION 1: If husband take full benefits at age 70, can wife continue to receive spousal benefit until she reaches age 70, then switch to her own benefits?
I am a "Maximize" purchaser. I will turn 66 on September 9th this year and plan on applying for my Spousal Benefit. My wife (68) is already collecting her SS. My question is, when would be a "safe" date for me to apply? I know that I can apply (up to 4 months?) early, but I don't want Social Security to start it before I turn 66, thus reducing my payments.
Thank you,
Bert
Hi Bert,
Are there any pitfalls when filing a restricted application for SS. I will be filing on-line in about a year from now and I was wondering if the process for filing a restricted application is fairly transparent. I am concerned that the process could be a gotcha and my benefits will start full retirement and not for spousal benefits when I'm 66
Hi,
Unfortunately, Social Security doesn't allow non-applicants to view the online applications. As a result I can't give you much specific help with regard to the online application process.
Turning 67 July 23, 2017.
Waiting to take SS until I turn 70 on July 23, 2020
My question is do I file on April 1 2020 or April 23, 2020
to get my 1st check on the 4th Wed of Aug 2020?
OR
Do I file on May 1, 2020 or May 23, 2020
to get my 1st check on the 4th Wed of Aug 2020?
Hi,
When I turned 62 I set up an account online with SS so I could monitor my monthly increases while I waited to reach my "Full Retirement" age of 66. At the same time I filled out an application for benefits but I never filed it. I just let it sit in the server until it expired after 3 months. I got concerned, after reading your book, that SS may use that to set my benefits at my age 62 level instead of my full retirement level at 66. The difference between the two age levels is substantial and I don't want to loose money.