Filing For Benefits

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?

Is There A Separate Form Used To File Online For Retirement Benefits?

Good afternoon. I have the "Get what's yours" book and its very helpful. Here are my questions:
1. I turn 66 in July, 2018. I am on medicare, but planning to request benefits starting at my FRA of 7/29/2018. Talking to SSA it looks like the form for retiree benefits is the same as Medicare; i.e., it does not show any "start of benefit" entries. The check boxes are all for medicare. Is there another form that SSA points to for retirement benefits only?"

Am I Able To Work Full-Time And Still Receive Full Social Security Benefits?

Dear Larry,
I will reach FRA on Nov. 6, 2018, and my wife will reach FRA on Oct. 10, 2018. I have more than needed SS credits to receive benefits while my wife is eligible for health benefits but does not have enough credits for other benefits.

I would like file and receive benefits beginning 01/02/2019 but would like to continue working at least part-time. When should I file the requisite paperwork with Social Security Admin to receive my first check in Jan or Feb 2019? Am I able to work full-time if I decide to do so and still receive full SS benefits?

Is There A Problem With My Application?

I applied for social security online today and submitted my application. When I returned using my re-entry number and social security number, I got the following message: "we cannot process your request online because some information we have on file is different than the information you provided." Is this simply because I submitted it and can no longer make changes? Or is there a problem with my application?


What Do I Need To Put On My Application Regarding When I Want To Start My Benefits?

I am getting ready to apply for spousal benefits. Where the form asks when I want to start my benefits do I put my actual birth date or my birth month? My birthday is at the end of the month. Thanks for you help.


You only need to specify the month, not the day. Before submitting your application, though, you should strongly consider using our maximization software to make sure that you are choosing the optimal filing strategy.

Best, Jerry

When Should I File My Application?

I turn 66 January 2019. I want to file for my S.S. My question is, do I file 3 months before Jan 2019 in order to receive my first check in Jan?? (or how soon to apply... I still want my checks to start my birth month in 2019)

Hi Jo,

If your birthday isn't on the 1st of January and you want to receive unreduced benefits, then your first payment won't arrive until February 2019. Social Security benefits are paid in the month after the month for which the benefits are payable.

When Should I Apply For My Social Security Benefits?

I turned 70 on 8/14/2017. I have not applied for SS benefits on my own record. I am receiving spousal benefits. What date should I apply for SS to insure I get my full 48 DRC plus six months retroactive payment? I don’t want the retroactive payment to deduct from my DRC, nor do I want to lose a month of retroactive payments. The SS office in January did not seem to be able to give me a start date later than the protected filing date which would result in one of these effects.


How Will The Switch From Widow's Benefits To My Own Benefits Work?

When my husband died I began to receive his SS benefit. Upon turning 70, I am going to apply for SS. How will this work? Thank you.


You'll simply need to file an application for retirement benefits with Social Security. You can do so up to 4 months in advance of the month you turn age 70, and you can file either by phone or in person at a Social Security office. Then, assuming your retirement benefit rate is higher than your widow's rate, the latter benefits will stop.

Best, Jerry